Saturday, April 28, 2012

Censorship On Magazines And Periodicals

There is just as much variety in magazines and periodicals as there is creativity to come up on with ideas for publications. Magazines and periodicals covers interests ranging from political, business, trade, auto, electronics, computer, fashion, sports, travel, adult and many more. Some magazines and periodicals are more daring than others. Even with sluggish economy, magazines and periodicals are still selling either in print form or on the Internet. Consumers worldwide are never short of choice of magazines and periodicals.

Censorship On Magazines And Periodicals

However, having said that, freedom of speech is not without censorship. There are magazines, periodicals, books and other publications that are on banned. Throughout history and in several countries, books, magazines and periodicals have either been banned or have had to go underground. We expect to see censorship in dictatorships and harsh political regimes, but in the West we are most often under the illusion that free speech is exactly there. This is not the case for magazines and periodicals, except that the West are always questioning where do their fundamental rights to free speech end. They would make public their views to question where do the government and other ruling authorities have the right to intervene and take their rights away.

Censorship In The West

In United States serious hardcore magazines and periodicals have been banned from public viewing. For example, Steve Blush's "The American Hardcore A Tribal History" has been banned in Colorado state prisons. Texas State Prison system has also banned several books, magazines and periodicals. Canada has banned several magazines and periodicals in rent decades.

The counterculture in North America had its heyday in the 1960's and 70's with several underground publications. The Realist for example, spoke out on political issues of the day. However, they ran into financial difficulty and ceased publication in the 1970's. The UK had several publications also mostly defunct today.

Making Their Voices Heard

The aim of censorship is to limit public access especially in schools and libraries. Some of these bans were successful and the magazines and periodicals were taken off the market but some still remained. Some publications that offer a different voice have been forced to go underground. Often times these publications are anti government or anti establishment and are illegal. Yet there is still a segment of the population that is willing and ready to read them. Two Underground publications from Canada are: The Underground Press, from Snow Lake, Manitoba and The Georgia Straight from Vancouver, British Columbia. The Village Voice, an alternative weekly magazine, is arts oriented and speaks out on certain issues as well. This magazine is still publishing.

American Booksellers Foundation for Free Expansion publishes magazine and highlights expositions and events on banned books in the West at their website. Random House Inc also produces a free educational magazine with theme on Censorship and banned books. Censorship is always a fundamental issue at the heart of democratic freethinking societies.

For More Information On Magazines And Periodicals

There are internet sites and publications out there giving great information about magazines and periodicals and how they can influence your life. There are also free eBooks explaining how magazines And periodicals can be of benefit to our everyday lives. These sources offer good advise on magazines and periodicals that are worth your time to read and keep for a long time. some sites even provide comprehensive directory listings on magazines and periodicals with extensive explanation on the different categorization of magazines and periodicals. Spending some good efforts on these areas can definitely go a long way to help us become better informed readers.

Friday, April 27, 2012

Throwing an Amazing Housewarming Party

You have now moved into your new home! You are probably experiencing a lot of excitement with just a touch of relief.

It's been a long haul, but you have finally finished. There have been a lot of obstacles to jump over that you have had to deal with in the past couple months.

You knew you wanted your house to be built, but you had to find a small piece of land that was just perfect for you and your little family. Next was finding a company that would actually build the home.

Once you found that, you had to wait patiently while the company took the time to build the compound. Hopefully the process went as smoothly as possible, but sometimes problems can easily arise in the building process.

Once the actual house was built, then you needed to pack up your hordes of stuff and move it into the space! If you have large pieces of furniture like couches or pianos, this can be easier said than done.

But now you have everything moved in and situated. Your family can get settled in, and you are done, right? Not yet!

You still have one more important thing on the list- you have to throw a housewarming party! Besides, you need to celebrate all the work that you have accomplished over the recent amount of time.

Hosting a housewarming party is not an easy walk in the park, though. There are certain things that you need to do in order to make it a great social gathering.

So what exactly do you need to do to make it the best gathering possible? Here are some great tips that your family can use to make your bash the talk of the new neighborhood.

The first thing that you need to realize is that the housewarming party needs to be hosted by the actual family that moved into the house. In some families, the grandparents or another member of the family will try to take control of the festivities and try to host the whole thing.

Don't let them do this! You put all the work into this new home, and you need to celebrate it yourself so that you can feel good about it.

Once you decide this fact, it is time to plan the festivities. The first thing you need to do is send out invitations.

You could rely on just telling people yourself, but sending out invitations is just much more formal and efficient. You will also know exactly who is coming to your party, so you don't have any party crashers!

Don't invite too many people or send out too many invitations. It is a good idea to keep the festivities small.

This might entail only inviting a few of your choice neighbors and immediate family members. Why exactly would you want to keep the party small?

If you think about it, you have just moved into your new home and it will never look as spotless as it does right now. Inviting too many people could track unnecessary dirt and grime into the house and start your living situation off on the wrong foot.

Having a small group of people invited will keep the clutter under control so that you don't have to deal with the aftermath of the fun later.

Once you have started the party, you need to make sure to give everybody a grand tour of the home, so that they can see exactly what they are there for.

It is important to do this once you know everybody is present at the party, so that you can do it all in one sweep. Otherwise, you will spend the whole night giving each individual guest a tour of the rooms, which takes you away from the party.

Also be sure that all the rooms in your house are clean and boxes are put away. I don't think your guests want a tour of a home that looks like the entirety of it is packed away in boxes.

Finally, the grand tour won't be the only thing that you will do at your party. Make sure there are refreshments, games, and plenty of other things for your guests to do.

How Society Works: A Few Critical Elements Summarized

Why do people do what they do? What really explains our behavior? Are those talkshow hosts and columnists really making sense?

The media, not to mention daily conversations, are filled with overly simple explanations of social behavior. Prominent examples include the "follow the money" explanation of why politicians and corporate executives do what they do. Another class of explanations explains everything in terms of reproductive urges. Everything is really about sex. Sex, reproductive urges, and money do explain some of human behavior. Most any economist, psychologist, or sociologist will say that sex and money are not complete and comprehensive explantions of human behavior.

Mass Media Influence - Television, newspapers, radio, magazines, and the World Wide Web condition our perceptions of ourselves and of what's good/bad/problematic in the world. Television and magazines are especially powerful influences on our images of beauty, success, and fitness. This aspect of the media has been so heavily, and accurately, covered by others that there is little point addressing the subject here.

Peer Pressure - People encourage us to do things, or at least plant ideas in our heads

Psychological Drives and Impulses - Emotions, errors in perception or reasoning, and drives for such things as group affiliation, safetly, reproduction, and affection exert strong influences on our behavior.
Free will is clearly constrained by individual psychological makeup and culture.

Biology and Genetics - Biology and genetics are sometimes used interchangeabley, but they are not interchangeable concepts. Genetics refers to inherited traits and the biological material that transmits those characteroistics. Biology encompasses many, many processes that occur in the human body. Biological processes and genetic traits are obviously linked to many physical and mental characteristics. Our phyiscal and mental characteristics certainly influence our lives in many ways. No geneticist would ever defend the general position that anyone with trait X will do Y.

Socialization - This is the process of learning about language, good bahevior, bad behavior, "proper" goals and aspirations, and other cultural information that we need to get along in society. Socialization does not proceed in the same way for people of a particular race, religion, ethnic background, or social class. All of this things influence what we learn.

Much socialization, arguably the most important part, occurs before age18. For a person to make a major change in how they were socialized ("brought up" in popular language) is difficult. The desire for change or the ability to succeed could well be influenced by the same socialization that's now causing a problem.

Family, peer groups, schools, churches, and the mass media are all agents of socialization. We learn about God and morality from church and family and friends. We learn the knowledge and skills deemed important for the individual, with much of the learning taking place in school. The content of the messages we encounter is largely beyond our control as children. Even as adults we can only exercise limited control of our own socialization. Rising

Standards and Expectations - I'm thinking of the rising standards that people feel they must live up to. People think that they need to do much more than their parents did. Parents need an intercom system for the baby, a minivan, a yard for the kids, and a college savings plan. This thinking is healthy for those who sell intercom systems, minivans, and suburban real estate. Parents and the natural environment suffer over things that are not necessary for proper child development, or good for the environment.

The standards for being a a success seem to keep going up and up: "He's 40 but can't afford to live in DuPont Circle (or substitute any expensive neighborhood) and drive an Acura. What a loser!" The standards for being a good provider go up with the proliferation of new, pricey products and services that can supposedly turn parents into good parents.

It should now be clear that social behavior is more than just a matter of biology or genetics or money. There is much more involved than people simply deciding to do this or stop doing that. Social forces that are hard for us to understand combine with psychology, genetics, and biology to influence us. By extension, our schools, churches, families, and governments are all influenced by various social and psychological forces.

Wednesday, April 25, 2012

Self-directed Iras - Why Dividend-paying Whole Life Insurance Offers An Attractive Alternative

Are self-directed IRAs all that they are built up to be? Let's consider that question. We've all been sold on the idea of IRAs as a wise investment product. Contributions accumulate in value during your working years, allowing you to enjoy the fruits of your labor upon retirement. And they do offer tax benefits to their owners. Sounds great. But when looked at closely, you begin to see the limitations of IRAs.

Understanding the Limitations of Self-directed IRAs
Self-directed IRAs, in particular, are attractive to many people who like the idea of controlling where their money is invested. You can use these accounts to contribute and control your investments in the stocks, funds or bonds of your choosing. When using traditional IRAs, your contributions and capital gains are tax-deferred, allowing more of your money to be used in an investment strategy.

The limitations of these IRAs, however, is in their nameIndividual Retirement Accounts. As a financial tool, these accounts are strictly for retirement, and they are regulated by the IRS as such. If you don't follow their rules, you can lose your tax benefits.

To begin with, the tax benefits of these accounts are limited. Contributions to traditional IRAs are made tax-free, but get taxed upon distribution. Roth IRA contributions go in after tax, but distributions are tax free. Also, if your Adjusted Gross Income is K or more (single) or 9K or more (married) then you will receive no deduction on your federal income tax filings for your self-directed IRA contributions. So for those earning more than those amounts, these accounts are hardly a tax relief vehicle and seriously limits their value as an investment product.

The IRS also regulates the contribution amounts, investment use and distribution of these types of accounts. There are limits as to how much you can contribute annually. Currently, if you are younger than 50, ,000 is your limit. If you are older than 50, you can contribute up to ,000.

Self-directed IRAs are also limited by what you can use your money for. There is a self-dealing rule, for example, that says you can't act or benefit on your own behalf as a trustee of your money. Basically, you can't have any direct or indirect personal involvement or gain from any of your investments. That includes renting a house you bought to a family member. If you used self-directed IRA funds to purchase that house, you can't even fix the kitchen sink...let alone allow your niece to rent it. These investment limitations are fairly severe.

The same limitations exist when it comes to the distribution of your funds. With few exceptions, you can't access your funds until you reach the IRS retirement age. If you do so, those funds will be subject to the normal income tax plus a 10% withdrawal penalty.

Offering a Better Way
Dividend paying whole life insurance offers a platform that provides many of the same benefits of an IRA, but without the limitations. In fact, when used as an Infinite Banking System, the cash value growth and tax benefits of these policies go above and beyond most retirement investment strategies.

With a dividend-paying whole life policy that is structured to work as an Infinite Banking System, policyholders will benefit from:

tax-deferred income growth
tax-free distributions via policy loans
tax-free withdrawals up to your basis
no contribution restrictions, subject to health underwriting
no income-level restrictions
a death benefit for beneficiaries

Understanding the Infinite Banking Concept
So what is Infinite Banking? It's a financial philosophy of being your own bank and its predicated on the tax and investment advantages of a whole life policy. You will fund your account with your premium payments. The insurance company will, in turn, invest a portion of your premiums in very safe financial instruments such as bonds. These will be be diversified by industry, maturity and geography for added investment security.

Gains from these investments will be factored with overall performance of the insurance company. The costs of overhead, mortality (death benefit payouts) and other expenses are subtracted from the gains. What's left is the excess that can be given back to the policyholders as dividends. Typically, these policies have a guaranteed tax-free growth rate of around 4%.

Through your premium payments and dividend earnings, the cash value within your policy will begin to grow, and that's where the greatest benefits begin. You get to be your own bank.

When you put money into a traditional financial institution, they will pay you a small amount of interest. When you borrow from that financial institution, they will charge you a greater amount of interest. In the banking industry this is known as the spread, and it's how financial institutions make their money.

A dividend-paying whole life insurance policy allows you to lend money to yourself using the cash values within your policy. You control these funds and dictate the re-payment terms. That means you set the interest rate, the amortization period and other loan terms. As you pay back the loan, you also pay yourself interest, and collect the spread that would otherwise go to your lending institution. There are no penalties for a late or missed payment. And there are no loan fees or other transaction fees.

You can use these personal loans anyway you want. Finance your car, pay yourself back. Finance your roof, pay yourself back. Finance your business, pay yourself back. You're in control, not the IRS.

In addition to the income growth opportunities available, there are numerous other benefits to the Infinite Banking Concept. By borrowing money from a properly structured dividend paying whole life insurance policy you can enjoy tax-deferred growth of money, tax-free distributions via policy loans, and an income-tax free death benefit for your heirs.

Who wouldn't want a place where they can put their money to grow tax-deferred without all the limitations of a self-directed IRA. By using a dividend-paying whole life policy as an Infinite Banking System, you have full liquidity, use and control of your money. Instead of discouraging self-dealing, the Infinite Banking System encourages you to use your funds whenever and wherever you can in your own life.

Obtaining a Bad credit home loans

You can still buy a home of your dream even if you dont have good credit history. Credit issues from the past wont necessarily stop you from being attainable to get a loan for your own home. You will just need to discover credit grantors who promote bad credit home loans. It is not that simple to discover credit grantors who are will to work with individuals who have poor credit history, but it is surely possible.

There are credit grantors who are willing to assist you to get a home finance even if you dont possess a good credit status. This is particularly fact if you are an excellent lending risk in other manners. For example, it is not that impossible to get a home loan with poor credit if you win a quiet excellent income. A credit grantor will verify your earnings and if it is rather excellent, they will feel reasonable confident that you can handle your monthly home loan installment.

You are more possibly to be capable to get a home loan even if you have bad credit if you do have some property that can be utilized as surety. Properties or money in the financial institution of a high value can assist you to get a mortgage. Of course, the assets of high value are things that are already settled and not ones for which you presently carry a credit balance.

If you can provide a credit grantor that you are employed to remedy previous issues that you had with your finance, you will have an excellent possibility of being sanctioned for a mortgage. The credit grantor will need to verify that you have been working hard to settle down your credits. Additionally, the credit grantor will be satisfied if you have not requested any kinds of credit in the previous several months.

When you are searching into requesting for a bad credit home loans, there are certain things that you should bear in mind. You are not possibly to have as much space negotiating fees and tenures for a poor credit finance. Your credit grantor will concern you a higher risk and will not be capable to modify the tenures of your loan very much. Most home loans for bad credit people carry higher interest rate. The credit grantor imposes higher rate of interest to help save them from a substantial loss if you fail to repay.

Tuesday, April 24, 2012

Create an Incident Command Post using vehicle accessories such as tailgate tents, lights and flags

When fires break out or accidents happen, emergency response teams are quick to arrive on the scene. Fast response is necessary in order to save lives and property. Anyone involved in an incident relies on the police, fire fighters or other responders at the scene to act quickly, organize efficiently, and make life-saving decisions. In such hectic conditions, organization is imperative and establishing the incident command post to coordinate response activities is top priority. It can often be difficult to distinguish which response vehicle is coordinating efforts, which is why custom vehicle accessories make all the difference. Accessories such as easy to set up EMS vehicle tents and lighting that can turn any response vehicle into a clearly designated incident command post are important tools for first responders. These vehicle accessories are making a hugely positive impact on incident management.

The need to take orders from a single center is quite clear. The accident scene is full of many responders and all of them are on the scene to offer valuable assistance needed. However, the fact that so many people are on scene with a wide variety of emergency vehicles may create confusion.

Any additional amount of confusion can easily lead to loss of lives that would otherwise have been prevented. Experts have noted that such mistakes have contributed to unfortunate happenings at accident scenes, they have since developed products and recommended the implementation of a mobile incident command center. The responders are therefore coordinated from the command vehicle identified by a clearly marked canopy, flag and lighting.

Personnel arriving on scene shouldn't have to ask "Where's the command post?" But finding a sedan - or SUV - size command post in a sea of massive fire and rescue apparatus can pose a challenge. With EMS vehicle Command Post Flag and Light any vehicle can be identified by the green "CP" flag and a green beacon mounted on a collapsible, 10 aluminum, shock-corded pole that attaches to the side of the chosen response vehicle via extra strong magnets. The beacon is visible from two miles away and can be set to stay lit or to flash.

First Responder vehicle canopies were designed and created specifically to aid rescuers who will be arriving in different vehicle types. You may have even seen these accessories used in some of your favorite shows like CSI: Crime Scene Investigation. These canopies are adjustable to fit the rear opening of most emergency vehicle trucks, SUV's and vans. EMS vehicle tents are lightweight, easy to stow and quick to set up.

These custom vehicle canopies are also designed to protect valuable equipment including computers, radios, fax machines and coordination materials by offering extended protection from the elements four feet beyond the rear of the vehicle. This easily provides enough space and shelter for up to 4 professionals on the scene to operate equipment and coordinate efforts. As most responders know, accidents are never convenient, which is why the additional lighting proves to be useful at night. This design is engineered specifically to aid the mobile rescue unit.

Accident victims rely on responders and responders rely training and having the right equipment accessible. First responders are finding great value in EMS vehicle accessories such as easy up truck tents with command post markings and lighting.

Saturday, April 21, 2012

Metal Roofing Qualifies For The Tax Credit Of 1500.

The federal government and the IRS consider cool metal roofing to be so green they are providing tax credits to homeowners who install this energy efficient building product on their homes in 2009 and 2010.

The tax credits were already in place thanks to the Energy Policy Act of 2005. At that time homeowners who installed an Energy Star labeled cool metal roof could receive a tax credit of 10 percent of the material cost up to 0. The American Recovery and Reinvestment Act of 2009 (a.k.a. the Stimulus Package) extended that same tax credit through 2010 and increased the maximum amount to 30 percent of the material cost up to an aggregate maximum over the two years of 00. The specifics of the tax incentive are covered in Section 25C of the IRS Tax Code. Homeowners need to use IRS Form 5695(2009 version).

Contractor credit
Other Federal tax incentives exist for new residential construction and commercial construction. For new residential, a qualified contractor can receive a ,000 tax credit for building a home that is 50 percent better than the performance according to IECC-2004. This credit was extended through 2009. A variety of energy efficient building features and processes can help to achieve that level of performance. A cool metal roof is no exception. Cool metal roofing has been shown to reduce annual cooling energy on homes by 25 percent compared to dark roof surfaces. They also can help to reduce peak demand electricity consumption by 15 percent in certain parts of the country.

For commercial building owners, a tax deduction of up to .80 per square foot is available if the building is designed and constructed to be 50 percent more energy efficient than one built to ASHRAE 90.1-2001 standards. That deduction has been extended through 2013 in the Stimulus Package. Again, a cool metal roof can contribute to the cooling and heating energy savings in these types of buildings.

Energy Star
Throughout the Federal Energy related legislation, references are made to the EPA's Energy Star program. Energy Star also has a Roof Products Program that lists products meeting certain criteria for solar reflectance. For steep slope roofing (> 2:12) the criteria are initial solar reflectance of 0.25 and aged (3-year exposure) solar reflectance of 0.15.

Today's Energy Star listing has more than 2,200 labeled products and more than 75 percent of them are either coatings for the metal roofing industry or metal roofing products themselves. Industry-recognized ASTM test methods are specified for measuring the surface solar reflectance of roof products.

In the current Energy Star Roof Products Program, manufacturers of roofing products are also required to report the measured thermal emittance of the products. Although there are no minimum criteria for emittance yet, EPA has suggested it will analyze the data being reported and possibly establish a requirement in future versions of the program.

The metal roofing industry is talking to Energy Star program officials to modify the existing program when it comes to metal roofing.

For example, we now know a roof installed in such a way as to create an airspace between the roof and the solid sheathing can significantly reduce heat flow through the roof. This phenomenon is known as Above Sheathing Ventilation (ASV) and when combined with a cool metal roof it can lower the heat passing through the roof by up to 45 percent. We are attempting to convince Energy Star that a roof with a solar reflectance less than their 0.25 minimum criteria, but installed with ASV, can be equivalent to a roof product that meets Energy Star, in terms of energy conservation.

Cool roofing
Energy Star listings for metal roofing are also connected to the products on the Cool Roof Rating Council 's directory. The CRRC is an ANSI independent organization that has established a third-party methodology for determining the solar reflectance and thermal emittance of all roof products. Unlike Energy Star the CRRC does not establish a cool roof definition or criteria based on reflectance and emittance. But the data in the CRRC directory can be used to populate Energy Star listings and for codes, standards or green initiatives to reference.

Renewable energy
In addition to the cool nature of metal roofing, which in itself makes it a green product, the surge in popularity of renewable energy is good news for metal roofing. A metal roof is the perfect platform for building-integrated photovoltaic systems. Fastening techniques now allow most PV systems to be installed on metal roofing without penetrating the roof surface. The synergy between the metal roof and the PV array is excellent since they both have a similar expected service life.

Wind power is another source of renewable energy. Many novel and new wind turbine designs are making their way into the marketplace. We are not just talking about windmill farms lining the horizon. Many new wind turbine technologies lend themselves to installation on roofs. Again, with metal roofing, the durability of the product, and the fastening technologies that prevent penetration, make metal roofing an ideal platform for introducing wind power to a building as well.

Metal roofing is a green product. The Federal Government sees it that way, and its properties allow it to be specified that way in numerous green building initiatives, rating programs, rebates and standards.

10 Ways To Grow Or Expand Your Business

In these tough economic times, it is more important to look at different ways in which you can grow business wisely. This can be done in a variety of different ways. In growing your business effectively, it will be important to look at several different aspects of your existing business. Are you financially sound to take on this new project? Have you sought out the perfect location? Do you have a plan of action in place? All of these questions are integral in assuring that your business will be a success. Let's go into a little bit more detail on the ten best ways to grow your business.

The first step is to know your market. If you are looking at growing your business and possibly adding other locations, it will be important to know who you are catering to. Make sure that the products or services that you are offering will be adequate for the needs of the consumer.

Second is to know what your financial availability is. Often, the business owner may have the right intentions, but it may not be feasible for the moment to grow or expand the current business. There is the possibility that waiting and planning will actually be in your best interests.

Third, you will need to make sure that your employee needs are covered. Can the existing staff accommodate an increase in work? Will you need to hire more staff? Have you trained the existing staff to take leadership roles if need be? These are all answers in which only you can provide.

Fourth is to know whether your location will suffice for the growth. Will you need to add a location? Would it be better to buy or lease a larger location or should you add on to the existing location?

The fifth best way to grow or expand your business is to make sure that your support staff is in place. You will need people who are organised and professional in order to build the base on which you can make your business a success.

Sixthly, you need to keep up to date with all your financial obligations and ensure that they are all being dealt with and upheld in a professional and timely manner.

The seventh item would be to look at your procedures and if need be create a new organizational structure. This can be done through joint ventures, mergers, and acquisitions which can help grow and diversify your business. Eighth

The eighth way to improve your business is to analyze all aspects of your business, products, suppliers, clients, areas, etc. Try to phase out any areas that are not making a profit and incorporate more of the successful areas into your business.

Ninth is to look at the value of your company as a whole and try to increase its market share and diversify your client base and increase in areas that have been previously unexplored.

And last but certainly not the least is your time! Do you have the time that it is going to take to make this happen? Often, during the expansion of business, the owner will find themselves devoting just as much or more time to the growth process.