Archive for January, 2009

Not in the Mood for Love?

Posted in Uncategorized on January 30th, 2009

Nothing can bring two people who truly care about one another mentally and physically together more than lovemaking. Passion can grow in your marriage; all it takes is a little planning and imagination. Avoid the dwindling love lives of other married couples. Take action now.

Honesty is the foundation to great sex. Both partners must be true to themselves and honest to their partners to get the most out of sex. Despite the passing of time and growth of culture, there is still an old adage that exists. It believes that women need love to get in the mood for sex, while men need sex to be able to get in love. Parts of this adage go on and provide some truths. Because women need “love” before sex - their needs are rooted in honesty a little more than that in men. Women need to know how they feel and be able to express when and how they want to make love by telling their husband.

When it comes to choosing the right time for lovemaking with your husband, here are four “don’ts”:

1. If you aren’t physically able to make love, don’t. By creating a sense that you must have sex, you will gradually begin to lose the want to have sex. Further more, if sex becomes a “duty” this will do nothing more than distract the positive feelings you have for your husband. Instead of acting when your inner feelings are against it, simply and honestly explain to your husband that you cannot. Explain that you appreciate his urges and desires and pick a targeted time and place to make love in the future.

2. Avoid criticizing your husband if he decides to try something new that doesn’t quite work so well for you. Variety is important to men, and it can be a very vulnerable thing for a man to even approach. So avoid slashing his confidence with criticism.

3. If your mind is somewhere else don’t have sex with your husband. Choose a better place and time. Whether it was just a bad day at the office, problems with the kids, friends, or money - just give it time. Your honesty will be much appreciated and won’t deter your will to make love when your mind is clear.

4. Never use resentment as a weapon to avoid having sex with your husband. Look back at number three. If you go too far and use your daily problems against your husband it will instantly put a hard lock to pick on your love life. Instead focus on communication and honesty. Find ways to talk about not having sex, and the times to have sex will begin to stack up.

Beach Weddings

Posted in Uncategorized on January 30th, 2009

It is no surprise that more and more couples are choosing to have beach weddings. Most people would list a deserted tropical beach among their ideal locations and beach weddings are seen as the ultimate in romantic events. There have always been many destinations that offer beach weddings to their nationals but now most allow foreigners to enjoy them too.

The vision of those perfect beach weddings may be your choice for your marriage ceremony but it is important to plan every detail to prevent any nasty surprises ruining your big day.

Your first priority should be to ensure that you have the correct paperwork required by your chosen destination. There are many travel companies who specialise in offering tropical beach weddings and it is worth seeking their advice. Remember you need the valid visas too. This can often be overlooked in all the excitement that organising beach weddings can take.

It is also important to consult with your medical practitioner regarding immunisations that you should have before travelling. There would be nothing worse than becoming ill because you neglected to have the correct shots.
Beach weddings can be some of the most magical and memorable ones if you pay attention to the details.

The best advice is to use the services of a professional provider of beach weddings either through your regular travel agent, the country’s consulate or your intended hotel.

Find out more information at http://www.a1-ourwedding.com where all resources for your special day are under one roof!

Boy Impaled While Working On Farm

Posted in Entrepreneurs, Legal Issues on January 30th, 2009

In another example of how dangerous a work environment can be for young inexperienced employees. A teenager who was engaged in his first work experience position met with a tragic accident becoming impaled by a metal fence post.

The 15-year-old boy was working at Field House Farm outside of Hartlepool when he was impaled through his knee by a post several feet long. The boy who is a pupil at Hartlepool’s Brierton School was airlifted by helicopter to North Tees University Hospital.

The boy had been working with bales of straw in a barn where he remained in agony for nearly half an hour until emergency services reached the relatively remote location.

Paramedics at the air ambulance station said that the teenager had been extremely lucky that this had not been a far more serious incident.

The Health and Safety Executive have launched a full investigation into how the boy ended up with his nasty injuries. The headmaster of his school said that they were also working with the HSE in an attempt to understand how the accident occurred.

It is also not known what safety checks were made by the school before allowing the vocational visit by the boy.

Young workers are particularly vulnerable to workplace accidents and every effort must be made to ensure their safety. Obtain all the information and training that will assist your staff in dealing with young employees with the NEBOSH course from Workplace Law Training.

Choosing a Site for Your Wedding

Posted in Uncategorized on January 25th, 2009

One of the first decisions you and your fiancé will make following your
engagement will be the location of your wedding. There are so many locations
available that the decision can seem overwhelming. Many couples decide to have
their wedding ceremony in a church, followed by a reception at a different
location. Others have their ceremony and reception at the same location. It is
very popular today for wedding ceremonies and receptions to be held in private
homes, at poolsides, in a garden, a hotel banquet room, and in a natural scenic
setting. To assist you in selecting a location, we will take a brief look at each one
of these. However, I am certain whichever location you choose your wedding day
will be the most beautiful day of your life!

At Home:
Wedding ceremonies that take place at the home of a special friend or family
member are truly wonderful and are usually filled with a cozy warmth you may
not find elsewhere. Just remember to first check with your religious institution to
make certain it will recognize a non-church wedding ceremony. Also pay attention
to the number of invitations you plan to send out, since the seating will be
limited. I would also keep the decorations and refreshments to a minimum since
the setting may be more confined than other locations, and these items usually
take up a good deal of space. Keep it simple, and it will be magnificent. Make
certain to use your local bakery and catering service for your home wedding, as
the entire community will want to be a part of your celebration. To thank your
guests for sharing your special day with them I suggest wedding favors, which
are very popular today, but are not always easy to find within smaller
communities. A very large and popular collection of wedding favors is found at
Royal Wedding Favors, an Internet based wedding favor business that offers
unique and elegant wedding favors to fit every budget. Please take a look at our
wonderful collection located at www.RoyalWeddingFavors.com

At Poolside:
A reception planned for the poolside will truly be a special event. This allows you
to bring out all the tropical and beach themed items on the market today, and
there are many to choose from at www.RoyalWeddingFavors.com. You will
definitely want a bar set up serving tropical drinks. Your decorations should be
bright and breezy. Float tropical flowers in the pool, or hand out leis to your
guests, and when evening comes float lighted candles in the pool and on your
reception tables in bowls. Make certain to anchor lightweight items with shells or
other item of your choosing, so the wind will not blow them away. I believe buffet
style food stations will be best for your poolside event, using non-breakable
items if possible. Then, relax and enjoy! This is one of the most fun and creative
settings you can choose, and your guests will remember it forever.

In a Banquet Room:
Banquet rooms are the perfect location for weddings and receptions for larger
crowds. Banquet rooms whether they are located in hotels, country clubs,
mansions or museums are very popular, so it would be best to book this location
as early as possible. The good thing about these large rooms is that it is quite
easy to decorate using just about any theme. You can choose to be as simple or
as elegant as you want; however, a good rule of thumb is the larger the room
the more extravagant the decorations should be. A sit down dinner is ideal for a
banquet room reception, especially when there is an on-site staff ready to handle
all the details. Fully stocked bars are popular at these locations, as well as a full
menu and a lively band. Though this type of wedding and reception site may
seem daunting in size, it can actually turn out to be a warm and cozy setting with
the proper decorations and seating arrangement. So don’t hesitate to select a
banquet room, and invite as many guests as you want to help you celebrate the
most special day of your life.

In a Garden:
Garden weddings and receptions are simply gorgeous. There is nothing more
divine than to be married in a garden setting surrounded by flowers, birds and
your friends and family. Whether it is a friend’s manicured lawn or a lush
botanical garden, this is an ideal setting. Don’t overdo the decorations with a
garden wedding or reception; let the beauty speak for itself. This is actually the
perfect setting for the budget minded bride, since the scenery will be so
beautiful, and is usually free. It would be a good idea to set up buffet style food
stations under tents if you are concerned about the weather. Otherwise, a
seating arrangement of white tables and chairs would be perfect for your guests
to enjoy the menu you have planned. You can go with our without tablecloths,
using only a small arrangement of flowers as centerpieces. As evening comes
lighted candles will be the perfect touch. To keep the atmosphere romantic you
can hire a strolling violinist to wander among your guests playing soft music. And
when it is all over, you will be amazed at how beautiful your wedding
photographs are with the beauty of flowers in bloom, green grass and fresh air in
every shot.

In a Natural Setting:
The beauty of an ocean or the majesty of the mountaintops is just a few of the
many dramatic sights available for your wedding. If you are interested in a
natural setting you will need to plan well in advance of your wedding date,
especially if you have a certain location in mind. More than likely, there will be
guidelines and rules you will need to follow in order to secure a location such as
a national or state park. For example, what are the park hours and beverage
restrictions? Are there cooking facilities available, or must the food be prepared in
advance? How will you, your guests and the caterers get to the location, and is
there ample parking as well as overnight accommodations nearby? A natural
setting can be an economical choice for a wedding or reception because of the
abundant nature available. This makes elaborate flower arrangements and other
decorations unnecessary. For refreshments a simple menu will work best, and
you might even consider a picnic-style reception with baskets and Mason jars. For
the wedding ceremony select the best possible view and make certain you
discuss all the beautiful photograph opportunities with your photographer.

These are only a few of the many locations available for your wedding and
reception, so select one that fits your personal style and enjoy the wonderful
ambiance throughout your wedding day!

Brenda Daube is the founder and CEO of RoyalWeddingFavors.com, a supplier of elegant and unique wedding favors, including a beautiful collection of homemade wedding favors and wedding party gifts, all at affordable prices. Please visit us at http://www.royalweddingfavors.com

Decisions On Appetizers And Cocktail Hours

Posted in Uncategorized on January 24th, 2009

In order to have even more time to socialize or to give the married couple some time for pictures or quiet, the trend of cocktail hours has re-emerged. Of course, these aren’t the only reasons that you may want to contemplate a little fun before the actual start of the reception.

For the wedding party

After the rush of pictures and the excitement of the ceremony, a lot of the wedding party can become disheveled and unkempt. By giving them a little time to get freshened up, all of the reception pictures can be just as lovely as the ceremony ones.

Of course, if the wedding party has to transport themselves to the reception hall, a cocktail hour can give them enough time to get there and get organized as well. They can put away anything that they brought with them to the hotel or to the ceremony, plus change into anything that they may have brought with them–more comfortable shoes, for example.

A cocktail hour is a great new way to have a receiving line. The wedding party can meet and greet the guests as they arrive at the reception hall, even show them to their seats if they’d like. This way, the only thing that anyone is waiting on is the bride and groom.

For out of town guests

If you just couldn’t schedule the wedding and the reception back to back, then you may be in luck with having a cocktail hour. When your guests are from out of town, they don’t necessarily want to go back to their hotels before heading over for the reception, so they can have the option of going for light appetizers and cocktails.

This also gives them the opportunity to mingle with everyone in a less intense setting. There won’t be all the dancing and cake cutting, so it can be a lot calmer. Plus if the wedding was earlier, the guests are probably hungry, so you’ll be feeding them as well. And drinks can help to liven up any bunch of people.

A cocktail hour is a great way to warm everyone up and get acquainted before the arrival of the couple and the start of the reception. And since you’re feeding everyone a little something to begin with, you may also be able to have a less complicated dinner menu–if you’re on a budget.

So if you’re deciding on whether or not to have a cocktail hour, why not just do it? It’s an inexpensive way to keep your guests from having grumbling stomachs.

Choosing Your Wedding Photographer

Posted in Uncategorized on January 23rd, 2009

In today’s world, it seems that almost any topic is open for debate. While I was gathering facts for this article, I was quite surprised to find some of the issues I thought were settled are actually still being openly discussed.

The photos from your wedding day are pictures that you will cherish for a lifetime but you only get one chance at getting these pictures. If you don’t have a photographer for your wedding or you have an incompetent photographer, you may miss out on having photos from critical points of your wedding or reception. There are no do-overs or re-enactments in a wedding so it is important to have a photographer who is capable of documenting your wedding with style and precision. It is also important to hire an experienced photographer who is capable of producing photos that capture you and your wedding party in their best light. The following are all tips for choosing a wedding photographer who is qualified to shoot your wedding.

The power of references cannot be underestimated in choosing a wedding photographer. A photographer with a long list of references who are willing to speak to potential clients and an even longer list of testimonials from satisfied clients is an excellent indication of a photographer who will do a great job of photographing your wedding. It is important to contact each of these references and ask them questions about the photographer and their opinions of his work. You can use this opportunity to get a sense of the photographer’s ability to take pictures as well as his attitude towards his client. You will want to choose a photographer who is both talented as well as courteous towards his clients. One of the best ways to choose a wedding photographer is to pick a photographer that was used by a trusted friend or family member. If they had a positive experience with a particular photographer and highly recommend him, it is likely that you will also be glad that you chose this photographer.

If you do not have a personal reference that you trust for a particular wedding photographer you might want to consult the Better Business Bureau for additional information about the photographer. Here you will be able to find out if the client has had a number of unresolved complaints filed against him. While you may not be able to determine the nature of the complaints, a large number of complaints for any reason is not a sign of good business practices.

If you base what you do on inaccurate information, you might be unpleasantly surprised by the consequences. Make sure you get the whole wedding photographers story from informed sources.

Viewing the photographer’s portfolio is also an important step in choosing a wedding photographer. Since the portfolio contains actual pictures taken by the photographer they will give you a good indication of his capabilities. It will also give him a sense of his style. Chances are that if you like the photos in his portfolio you will probably also like the pictures that he takes at your wedding.

Once you have narrowed down your wedding photographer choices to a few candidates based on their previous work and reputations, it is time to start discussing price. You may find that one or all of the candidates are completely out of your price range. If they are all out of your price range and none of them are willing to negotiate, you may have to go back to the drawing boards and choose another candidate who may not meet all of your criteria but who is likely to fall within your price range.

When considering price, it is important to factor in what is included in the price that the wedding photographer quotes you. Some items to consider are, how many prints will you receive and what will be the sizes of these prints. You may also want to find out if the price includes the proofs and the negatives. This is valuable because the proofs give you access to every single picture the photographer took during the course of the wedding and the negatives allow you to create reprints at your discretion.

Your wedding photos will likely be one of the most cherished, tangible souvenirs from your wedding day. You will be able to look through your photos one day and reminisce about your wedding day. You can also share the pictures with your children and grandchildren in the future as a way of filling them in on some of the details of your life. Since these pictures are so important, it is equally important to exercise caution and good judgment when choosing a wedding photographer.

Those who only know one or two facts about wedding photographers can be confused by misleading information. The best way to help those who are misled is to gently correct them with the truths you’re learning here.

THE ELEPHANT ROARED AND BROUGHT FORTH A TURD…A Case Against Democratizing the Middle East

Posted in Political Activism on January 20th, 2009

THE ELEPHANT ROARED AND BROUGHT FORTH A TURD! …A Case Against Democratizing the Middle East

The original vulgarity was bylined: …The Constipation of America’s Mid-East Peace Policy!

It is with some trepidation that I embark upon this discourse; for one, out of respect for elephants, but more so because within the American framework of democracy I have so greatly benefited. Thus, to liken the extension of America’s efforts to democratize the civil administrations of Moslem stateseven with the caveat “considering cultural sensitivities”to the intestinal hardships of our beloved pacaderm is in itself cause for internal consternation, reflection, and a longing for interior relief.

“STUNT OMNES UNUM”

The current administration’s mascot bears some responsibility for the chosen political metaphor; however, it must be duly noted, that this article could just as well be entitled: Asinus asinorum in saecula saeculorum! (Latin for: “The Jackass of Jackasses in the Centuries of Centuries”, or “The Greatest Jackass in Eternity”this, and other Latin expressions in honor of Pax Americana will be duly sprinkled throughout this missive)giving equal honors to both dominate American political parties for their extended efforts at peace in the Middle East, for: Stunt omnes unum . . . they are all one!

Indeed, by giving credit to where credit is due, we must keep in mind that the commonality of purpose to secure America’s interests in the Middle East and, ipso facto, the West’s energy spicket, via proping up its Islamic dictatorships, or hastening the democratization of the region, is the continuous policy of both Democratic and Republican State Departmentsmake no mistake about it.

The Democrats differ only in the design of a better mouse trap and have no right to cast their stones of dispersion from their glass palace at the failed policies of the GOPpolicies now garbed in democratic hyperbole.

WELCOME TO THE THEOLOGICAL CALDRUM

Peace in the Middle East! Better yet: What is the current administration’s Mid-East Peace Policy? Road Map to Peace? Peace Process? It is prudent, though policy makers would dearly extract this fixation from the debate, the theological implicationsMoslem, Jewish, and Christianfrom this canundrum of canundrums, and why, specifically, “Jerusalem (has become) a cup of trembling (i.e., “reeling” or “drunkeness”) to all the surrounding peoples . . . a very heavy stone for all peoples . . . though all nations of the earth are gathered against it” (Zechariah 12:2-3)?

The Biblical metaphor of “reeling” and “drunkeness” is actually the physical reaction of a person who trembles after imbibing a poisonous potion. You drink of this venom, you immediately go into radical convulsions, with one destination in view: death!

Initially, so it appeared, our President’s so-called lack of a coherent Mid-East peace plan at the commencement of his administration both mystified and concernedsooner or later he too would be compelled to deal with this Middle East “tar” baby. Could you blame himgrasping this “cup of trembling” portends incessant disappointment and, worse yet, staggering political liability with purient involvement leading toas we now bemoaneintractable conflict.

Yet, the greatest “Consuming Nation” ever to countenance the planetfueled by the mecurial petroleum moleculewould inevitably be sucked into this black hole whose exit strategies escape all nations.

EXTOLING OUR VIRTUESPLAIN VANILLA

Nothing like pontificatingi.e., extolling our efforts at peace in the region. This was masterfully accomplished by the Council on Foreign Relations’ Aaron D. Miller at the CFR’s “Transition 2005: Israel, Palestine, and the Middle East Peace Process” forum in February. Dr. Millera former U.S. State Department official, having served six previous Secretaries of State by helping to formulate U.S. policy on the Middle East and the Arab-Israeli “peace process”confirmed my original thesis regarding the bi-partisan nature of our endeavors at formulating peace in the Middle East; to wit:

“The three Americans that have made the most compelling contribution in the history of American diplomacy, and there are only threetwo Republican secretaries of state, Henry Kissinger, James Baker, and one Democratic president, so it transcends party lines, Jimmy Carterall combined those qualities, with an acute sense of knowing when to intercede. That is how to do effective American diplomacy. And if in fact we were to succeed again, that is an approach that we have to come back to. (Note: Apparently, Miller dismisses President Clinton’s endeavors.)

In any event, bi-partisan consensus was summed up by political think tank Seeds of Peace president Miller as follows:

(1)President Bush must make the Middle East Peace Process a 24/7 top priorityworking with a diverse team of “competent” advisors. (2)Policy must not neglect what’s happening on the “ground” (i.e., realities on the ground integrate with immediate policy). (3)The U.S. must remain in control of its own policy (i.e., don’t let either side, Israeli or Palestinian/Arab, dictate). (4)Beware of interim deals, but also beware of high-risk efforts to solve this problem quickly. (5)Combine empathy and trust, with toughness, to both Israelis and Arabs.

Furthermore, avoidance of the black hole is uselessMiller concludes:

“If we want to supplement our war against terror, further the cause of democratization, there is no other issue that would do more to enhance our credibility than the pursuit of this one” (i.e., full engagement in the so-called “Middle East Peace Process” involving Arabs and Israelis).

Safe, reasonable, intelligent, thoughtfulyep, just plain vanilla. But the status quo of Dr. Miller’s world was about to be shaken with the departure of one Collin Powell, and the subsequent installation of National Security Advisor, now Secretary of State, Condoleezza Rice.

“LADIES AND GENTLEMEN!”

“In this time of great decision, I have come to Cairo not to talk about the past, but to look to the future a future that Egyptians can lead and define.

“Ladies and Gentlemen: In our world today, a growing number of men and women are securing their liberty . . .

“After all, America was founded by individuals who knew that all human beings — and the governments they create — are inherently imperfect. And the United States was born half free and half slave. And it was only in my lifetime that my government guaranteed the right to vote for all of its people.

“Nevertheless, the principles enshrined in our Constitution enable citizens of conviction to move America closer every day to the ideal of democracy. Here in the Middle East, that same long hopeful process of democratic change is now beginning to unfold. Millions of people are demanding freedom for themselves and democracy for their countries” (Excerpts from Sec. of State Rice’s speech at the American University in Cairo, Egypt on June 20, 2005).

Naturally, Dr. Rice’s (later references) to democratic aspirations for the regionaddressing her audience as “ladies and gentlemen” to highlight Islamic suppression of women in generalblew the Kaffiyeh off her Arab audience. Notwithstanding all the cultural sensitivities to the contrary . . . it is nigh impossible and absurdly ridiculous to fathom how Judeo-Christian Americana ideals and cultural backgrounds relate to Middle Eastern realities on the ground (as we speak). Never mindthe President must opine:

“America will not impose our style of government on the unwilling. Our goal instead is to help others find their own voice, to attain their own freedom, make their own way” (Rice, in her same speech, quoting from President Bush’s second inaugural address, while prefacing his words with: “We are supporting the democratic aspirations of all people.”).

Thus, in one-fell swoop, we witness cultural wiggle room at its height as Arab states commence their march toward freedom and Islamic-style democracy!

EGYPT MUST LEAD, AS SHE LED OF OLD

“The people of Egypt should be at the forefront of this great journey, just as you have led this region through the great journeys of the past” (Again, excerpt from the Rice speech.).

At this point, one must ponder: What Egyptian journey of the past do we contemplate? How about the slave-driven, pyramid-building, totalitarian civilizations of the Pharaohs?

Of course we Americans intuitively know what the President and Dr. Rice mean (at least we once did) . . . but driving this democratic square peg into the black, moon-shaped hole of Islamic civilization may ultimately necessitate Alexander the Great’s resolution of untying the Gordian Knot he encountered at the ancient city of Gordium (100 miles west of Ankara, Turkey).

An oracle of Zeus alleged that if anyone could untie this knot, that person would be the conqueror of all Asia. Of course everyone knows, Alexander (champion of the Ancient West) cheated on the oracle by cutting the knot with his sword instead of untying itnotwithstanding, the avaricious behavior of the god Zeus still gave Alexander Asia!

Even so, the conclusion of the matter (i.e., incorporating nigh 1,500 years of Islamic civilization into Western thinking and democratic idealism first proclaimed by the Greeks) may ultimately necessitate a rather crude Greco-Roman application; simply put: CUT TO THE CHASE!

And, why might this be the case? Consider the utter futility of the West approaching the “Islamic Knot” of Asialet’s just consider the “lead” of Egypt toward democratic liberalization:

Nina Shea’s piece on Egyptian democratic ideals tells it bluntlythe Muslim Brotherhood would be swept to power if open elections were held in Egypt:

“Mubarak’s policies have created a situation in which pro-Western democrats like Ramy Lakah are silenced or driven abroad, leaving the Muslim Brotherhood as the only organized opposition within Egypt. If an open election were held this year, few doubt that the Muslim Brotherhood would win. An Islamist group, the Brotherhood has won hearts and minds through charitable work and exploited religion to thrive despite ruthless repression against it. It purportedly renounced violence in the 1970s, but its motto continues to be: ‘Allah is our objective. The Prophet is our leader. Qur’an is our law. Jihad is our way. Dying in the way of Allah is our highest hope.’”

And, what of Islamic Brotherhood?

“A social and political movement which started in Egypt in 1928 by Hasan al-Banna for the purpose of establishing a pan-Islamic state, transcending all current political and geographic divisions. Like those before him, al-Banna also regarded the West as posing a fundamental threat to the future of Islam. He felt that even worse than military campaigns were the attempts to import Western culture and political ideals. The root of Muslim problems was that the Shari’a (Islamic law) had not been implemented - once this was accomplished, everything would be better.” (Taken from: Islamic Extremism)

This is the same Muslim Brotherhood that assassinated Anwar Sadatin spite of Sadat’s attempts to assure them of his Islamic fidelity. Is it any wonder that the Brotherhood continues to call for “a more open and democratic political system in Egypt.”

Tracing the so-called hydra-headed monster of Islamic terrorist organizations is not the intent of this discussion. One can deliberate for countless hours on this serpentine figure (Please see http://www.state.gov/s/ct/rls/rpt/fto/2001/5258.htm). But, what is of peculiar note is where Secretary Rice delivered this sea-change in American foreign policy: In the heart of Egypt, where the Brotherhood and scores of Islamicists recruit insurgents against America’s War on Terror!

IRANIAN DEMOCRACY AT WORK

While the U.S. attempts to light the fires of Iraqi liberty and democracyagainst the backdrop of rabid Islamic insurgency, London bombings, and ominous threats upon homeland US targets (Including “soft targets in the U.S. like movie theaters, restaurants and schools” etc.) (Please see: http://www.jihadwatch.org/archives/005364.php), the Iranian people by the millions decide it’s time to elect an even more radical regime to pilot their nation through the incursions from the West!

Of course, with the election of hardliner and American hostage taker, Mahmoud Ahmadinejad (though vehemently denied by Iranian authorities), at summer’s commencement (2005), how heartening are his initial exploits heard in the West:

“Today, we can say that nuclear technology is our right!”

How comforting too, to know that a “Greater Persia”which encompasses Southern Iraq’s Shiite majorityalso awaits the full development of the democratic Islamic Republic’s nuclear program. Some, like Michael Rubin in Forward Magazine, conjecture that the Bush Administration has no coherent policy on Iran regarding the spread of “democracy.” Dear Michaellet me disabuse you of such folly! The West, led by the Bush Administration, knows precisely how to “democratize” and, ipso facto, diffuse the Islamic Bomb! If, on the other hand, you consider this contrary to “democratic ideals” - live with it.

ISLAMIC MODERATES?

There is this Western fascination, perpetrated by certain strata of its intelligentsia and fomented by both the progressive and entrenched liberal media, that the vast majority of clear-thinking Moslem leadership, when push comes to shove, is tolerant and merciful; yes, caring souls who long to live in peace with all mankind, especially with folks in the West.

Frankly, let’s quit pussy-footing around with discovering a Salman Rushdie here, a Dr. Khalid Duran there, or even a Tashbih Sayyed, President of the Council for Democracy and Tolerancethese rare exceptions dwell in the ethereal world of the West’s civilization. What’s happening on Dr. Miller’s ground bespeaks the antithesis of the so-called moderate Moslem. (For entire article . . . please go to http://www.the-tribulation-network.com; includes graphics, links, etc.)

Cycling before Going Mountaineering Improves Performance and Prevents Injuries

Posted in Recreation Center, University of Sports, Web Of Travel on January 19th, 2009

Annually it’s the self same account. Notwithstanding walking to the office, and an irregular trek, every ski season initiates on those torturous 1st couple of tours when I am left in the paths of junior and faster snowboarding chums.

If you are in bad shape whilst touring it is awful, and may be downright hazardous. Skiing down you need to have some spare capability. A tired skier is more than likely to have injuries and fatigue is likely to be a contributory factor to incidents, for example falls and rock falls.

There must be a better manner in which to commence the season, and a freshly published 302 page guide by Candace Brinkman, who previously wrote Ski Alps, looks to extend a solution. Although aimed at climbers the data is largely practical to ski touring, with its energetic ascents besides other sports.

Running, training for peak results is highly detailed and easily read. It is a fine well rounded book that assembles some good information. You could develop a specialised training program or tweak your existing programme. Given that it is written for mountaineers, therefore much of the techniques could be irrelevant for ski touring, it’s by all odds a book to buy if you wish to do several of the big 24 hrs or multi day routes.

Public Sector Economies in Transition

Posted in Political Activism on January 19th, 2009

In the previous article, we described the various methods developed in the West to cope with the ever-burgeoning public sector.

Yet, economies in transition everywhere in the world have learned a lesson the hard way: not everything that is Western - necessarily fits their needs. Many Western techniques, methods, systems and ways of thinking cannot be applied in Macedonia, for instance.

The public sector is a great burden on economies everywhere.

It is mostly financed by collecting taxes from individuals and businesses.

Taxes are re-allocation of economic resources. Taxes are nothing but money transfers from one group of citizens (the taxpayers) to other groups: to those who cannot pay taxes (such as children and the elderly) and to those who would not pay taxes, the tax evaders. Taxes are a penalty paid by the more productive and honest segments of society. Small wonder that taxes have a bad reputation in the West. They are considered to be both unjust and inefficient.

But taxes are both necessary and inevitable. There is no better way to finance the operations of the government and of the public sector.

The more taxes collected - the heavier the involvement of the state in the economy. This involvement is measured as a percentage of the GDP - the Gross Domestic Product. As we mentioned in our previous article, the figures are frightening: governments consume from 19% (Singapore, Hong-Kong) to 59% (France) of the products and services produced in the economy!

Research shows that public spending of tax money is 6 times less efficient than the same money invested by the private sector. The two sectors: the Private and the Public compete on the same, limited, amount of resources. Every Denar paid to the tax collector is one Denar less invested in the formation of new businesses and one Denar less invested in private consumption.

We can safely state that taxes inhibit economic growth and increase unemployment.

So the current mood in the West is anti big government and anti taxation.

People evade taxes. About 13 - 25% of the total capital in the world is “black” capital, upon which taxes were not paid. It is estimated that Macedonian firms and individuals hold more than 1 billion USD in undeclared cash - against an official figure of 200 million USD in circulation in the whole Macedonian economy.

People openly refuse to pay taxes and they take their governments to court on these issues.

Governments are doing their best to simplify procedures and tax returns (=the forms on which income is reported).

In fiscal theory, we differentiate between progressive and regressive taxes.

A progressive tax is one which is larger - the larger the income is. A millionaire in a progressive tax system will pay much more (as a percentage of his income) than his driver.

A regressive tax is one that totally unrelated to the level of income. Both the millionaire and his driver will pay the same percentage of tax if they buy a car, for instance.

Governments have become desperate. They introduce one rate income tax systems: all incomes are taxed at the same rate, regardless of their size. They are switching from taxes on income (which are socially progressive in nature) to taxes on consumption (such as VAT - Value Added Taxes) which are socially regressive in nature.

The overall goal is commendable: to lower the burden of taxation to less than 20% of the GDP.

But obtaining this goal means that Governments will have to reduce their involvement in the economy and cut back on services and on the public sector.

This is not a very clever idea for economies in transition.

The public sector in economies in transition could and should be privatized only after three conditions have been met:

First, the establishment of a strong private sector. Individuals and firms in the private sectors are the consumers of electricity, water and phone services. Without a strong customer base, it would be very difficult to sell the PTT, the electricity company or the water companies to any private investor in reasonable prices. The public sector must become profitable to be sold to the private sector (=to be privatized). A losing company is not worth anything to an investor, unless he thinks that he can turn it around and make it profitable. The best way to do this is to increase its sales to a loyal and sizeable group of clients.

The second condition: the de-regulation of prices and the abolition of subsidies.

The state must exit forgo all levels of intervention in the finances of the public sector. It must not fix the prices of its products and services and it must not subsidize it. Subsidies and tax incentives thwart and distort the true economic and financial picture. They hinder the proper and correct valuation of the public sector firm by prospective investors.

An investor must feel certain that he will be allowed to fix any price for the goods and services sold by the public sector firm that he is buying. This is the way to profitability and financial health. The government does not need to worry:

If the investor will charge too high a price - his clients will go to his competition.

But what if there is no competition? What if electricity is supplied by only one electricity firm (a monopoly)? Who will the client revert to if the prices that he is charged are much too high?

This, precisely, is the third condition:

The opening of the marketplace to competition, both domestic and foreign.

To cancel all laws, regulations, rules, precedents which inhibit or prohibit competition. To eliminate tariffs, quotas, permits, licences and controls (barring those which relate to public health and to the protection of the environment).

Why should Macedonia have only one PTT? Why not six providers?

Why not allow anyone to produce electricity and sell it to the electricity company? Why to have only one electricity company?

Subject to the right regulations concerning safety and financial wherewithal - everyone should be allowed to do anything. Economic history shows that competition provides better goods and services at much lower costs.

It also shows that the public sector is a potential hub of inefficiency and sometimes blatant corruption.

“Lean and Mean” is the name of the game in today’s economic environment.

The Public sector is fat and sluggish. It has no right to continue to exist.

Even private sector enterprises are “downsizing” (cutting their labour force considerably).

But certain functions can scarcely be transferred to the private sector. These functions are inherently non-profitable and non-profit motivated. They are usually performed by municipal, local and regional authorities.

The municipal (local) and regional part of the public sector has five sources of income at its disposal:

  • It is empowered to collect taxes from individuals and from businesses - the size of which is normally linked to the (residential or office) space that they occupy.

  • It is allowed to collect fees and charges which are fixed and relate to the provision of services such as: water supply, sewage, sanitation, posting commercial signs, parking and toll roads).

  • It is authorized to levy fines on transgressors against municipal rules and regulations. The best known form of this kind of financing is the parking ticket.

  • Mainly in the USA, local authorities are permitted to sell municipal bonds (”Munis”) to the public - through the Stock Exchange - and directly to institutional investors, such as pension funds.

The local authority which issued the bonds pays the bondholders from current income generated by tax revenues and from specific incomes generated to it by specific projects.

An example: a local authority wants to establish a water treatment facility.

It costs 100,000,000 USD. The Authority receives 60,000,000 from the government and sells 40,000,000 USD worth of bonds to the public via the stock exchanges.

Once the facility is built, it begins to supply water to the residents and to businesses. They pay for the water that they consume - and the income from the sale of the water goes to the bondholders. This income covers both the interest payable on the bond (=its coupon) and the money that the bondholders invested in the bonds themselves and which they have to recover.

* Lately, a new fashion is developing in public administration, called devolution.

It is the transfer of parts of the national budget directly to the local authorities or granting them the right to regulate their own fiscal (=tax) systems.

Devolution is a prime example of a mega-trend in human societies: that of the dismantling of Big Government. But this is subject for yet another article.

About The Author

Sam Vaknin is the author of “Malignant Self Love - Narcissism Revisited” and “After the Rain - How the West Lost the East”. He is a columnist in “Central Europe Review”, United Press International (UPI) and ebookweb.org and the editor of mental health and Central East Europe categories in The Open Directory, Suite101 and searcheurope.com. Until recently, he served as the Economic Advisor to the Government of Macedonia.

His web site: http://samvak.tripod.com

Remortgages and Secured Loans in a Credit Crunch - Equity under Pressure

Posted in Fast Cash Resources, Online Finance on January 19th, 2009

Are remortgages and secured loans still an option in today’s troubled times? What actually happens to remortgage / secured loans markets when a credit crunch and a housing market crisis come hard on the heels of a decade of rapid house prices increases?

The first thing to note is this: it’ll take a long ‘crash’ to wipe out all the gains of the last decade (and cause serious problems for anyone thinking about a secured loan or remortgage). When house prices peaked in October 2007, according to Nationwide’s House Price Index, the average house had taken just ten years to more than treble in value, rocketing from £60,754 (Q3 1997) to £186,044.

It’s true that prices then dropped around 9% (to £169,316) by July 2008, but this only took them back to the kind of price levels we’d seen in September 2006. In other words, it took nine months to wipe out the gains of the 13 pre-peak months.

It’s always dangerous to draw parallels with previous housing market downturns, but looking back to 1989 (the last time house prices peaked), prices went down about 20% over three and a half years before starting to climb again. Prices are dropping faster this time, but the recent decade of rapid rises shows just how much demand there is for housing - or rather how much demand there will be as soon as the mortgage market picks up again…

Whatever lies ahead, the average person who’s owned their house for the last decade could easily have over £100,000 of equity - enough collateral to remortgage or secure a substantial loan. Aside from the increases in the property value, there’s also the ten years of mortgage payments to take into consideration.

Of course, anyone who’s already secured a loan against their property in the past would have less equity to draw on now - unless they’d used that secured loan to finance home improvements, potentially increasing the value of their house (and therefore their equity).

Just because the equity is there, it doesn’t necessarily mean it can be accessed. Lenders have become very cautious about lending money, even if the would-be borrower is offering to secure it against property. After all, a house is less valuable as security at a time like this, when property is steadily decreasing in value and hard to sell - every lender knows that other lenders are equally hesitant about granting mortgages, which is significantly reducing demand in the housing market.

So mortgages and secured loans have become both harder to obtain and more expensive. Lenders are also less willing to lend as much: many are limiting remortgages to 80% of the property’s value, as they don’t know what will happen to prices and can’t rely on natural price appreciation to guarantee recovery of the funds.

However, even though the criteria are stricter, homeowners with enough equity (and the means to make the repayments) can still withdraw it - so for them, a secured loan or remortgage is still an option.