January 20, 2009

Real Estate Financing - Mortgages - Secrets Of The Trade

Don’t jump into anything blindly or sign any real estate contract or home mortgage loan contract or any type of contract without giving it serious thought. This year alone, Americans are expected to borrow $1.33 trillion in acquiring 7.4 million houses, condominiums and co-ops. If you have monthly obligations like car payments, credit card payments, personal loan payments, student loan payments, etc., be sure to take these into account when you’re determining your bottom-line affordability figure.

Be careful when working on your real estate financing; if you make too many loan inquiries, with applications, it may look like you’re shopping for credit; this can be a glaring red flag for many lenders. If you’re working with a local builder within a sub-division or housing development and just making carpeting, lighting and appliance selections for a brand new home, you’ll probably be able to get a standard mortgage loan; but if you’re hiring contractors, electricians, plumbers, and painters, you will probably need a construction loan, which provides funds to pay the subcontractors as the work progresses. Get an estimate of your real estate financing closing costs from the lender you’ve chosen; by law, the lender is required to provide his statement to you within three days of receiving your loan application.

When financing real estate it’s important to know that a low FICO credit score does not mean you won’t qualify for a home loan or home mortgage. Some lenders may impose limits on how much of your down payment can come from borrowing from other sources. 15-year fixed-rate mortgages mean consistent monthly payments for all 15 years that you have the mortgage; you build equity even more quickly than with a 30-year or 20-year loan, and paying less in interest, you save money in the long run.

Keep in mind that adjustable rate mortgages are best for homeowners who aren’t planning on staying with a property for a long period of time. If you’re buying a second home or second property, you’ll need to identify the sources for your down payment, since you will not be selling your current house and using the proceeds, and you’ll need to expect a larger monthly payments for housing or other expenses too. If you have a less-than-perfect or a ‘bad credit’ credit report it may not be a problem.

With adjustable rate mortgages the initial interest rate is usually lower than with a fixed-rate mortgage and the monthly payment would also be lower. There are plenty of options that are ideal for those who have a few bad credit marks on their credit report. The real estate financing situation for each buyer is unique.

Disadvantages of an adjustable rate mortgage include the possibility of increasing monthly payments if interest rates go up. People usually are not aware that they may be able to customize their loans; just ask the mortgage broker or lender; although lenders advertise 15-year loans and 30-year fixed rate mortgages, applicants can ask for 20 years, 25 years or any other number of years; this may allow borrowers to build up equity faster but keep monthly payments affordable. If you’re having a problem getting a home mortgage and the seller still owes money on the home you can check with your lender and see if you can get a wraparound mortgage; although not legal in all states, it will allow you to pay the monthly payment on the existing mortgage and an additional payment to pay the difference; make sure that a wraparound mortgage will not trigger a due-on-sale clause.

If you’ve applied to other lenders, when you finally do select a good lender you may have to explain why there are other inquiries from lending institutions on your credit report. If you do borrow money for a down payment it must be disclosed to the lender or if any of your money for your down payment was a gift, provide proof for it.

Take your time, study all the resources available online and offline and get lots of advice from several mortgage and real estate brokers and professionals before you do any real estate financing or investing. You have to be careful not to assume that you can cut back on your expenses and stretch yourself into a house payment; you don’t want to be cutting into healthy eating habits by eating fast food or junk food for a house that you may not be well enough to live in for a long time - consider this when you first start out searching for the best real estate financing. Remember that buying a home may be the single biggest investment you’ll ever make; invest carefully.

For more information on bad credit real estate financing and finding the best home or commercial loan or mortgage go to http://www.Real-Estate-Financing-Tips.com a real estate broker’s website specializing in real estate financing tips, help, quotes and resources including refinancing and creative financing

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January 19, 2009

Be Concerned, Be Very Concerned

In 1950, the U.S. took 12 trillion gallons of water from the ground by 1980 the figure more than doubled and is still increasing at an alarming rate. The Ogallala Aquifer is being depleted at a rate of 12 billion cubic meters (420 billion ft3 or 9,729,000 acre feet) per year, amounting to a total depletion to date of a volume equal to the annual flow of 18 Colorado Rivers (4000 cubic feet per second).

Time Magazine reported,” The Ogallala aquifer is being sucked dry! Some estimates say it will dry up in as little as 25 years. Many farmers in the Texas High Plains, which rely particularly on the underground source, are now turning away from irrigated agriculture as they become aware of the hazards of over pumping. The aquifer stretches from South Dakota through Nebraska, where two-thirds of its water lies, to Wyoming, Colorado, Kansas, Oklahoma, New Mexico and Texas. For the past three decades, farmers have pumped water out of the Ogallala as if it were inexhaustible. The annual overdraft the amount of water not replenished is nearly equal to the flow of the Colorado River. A report by the engineering firm, Camp, Dresser and McKee, Estimate that by the year 2020 some 5.1 million acres of irrigated land will dry up.

Today, the American Southwest is the most heavily irrigated area in the world, transforming a desert into a veritable Garden of Eden. However, this heavy irrigation may destroy the land by salt seepage.

The 1,400 mile long Colorado River is the lifeblood of 11 million people from Denver to ‘San Diego. In Fact, 1.5 million acres of prime farm land are irrigated by it today. This magnificent river is being slowly poisoned by salt loading from saline western soils runoff and salt concentration, caused by evaporation and increased use of the river in the seven states it serves. Levels of salt have reached more than 800 milligrams per liter and is expected to reach 1,200m/l in the near future. The EPA’s maximum safe level for drinking water is 500 parts per million, over 500 ppm is considered unsuitable for drinking. ( That translates into ΒΌ teaspoon of salts per gallon of water.) In addition to the depletion of ground water sources, there is less precipitation dropped on the land and more in the ocean, due to shifting air currents and globally changing weather patterns.

WHAT COULD BE WORSE?

As if a decreasing water supply were not bad enough we are now rapidly destroying what little water we have left with hazardous wastes. Toxic chemicals at thousands of hazardous waste sites across the country continue to seep into the nations underground, contaminating
the land and groundwater, and poisoning the air. The U:S. General Accounting Office says that the Super Fund program will be required to clean up, in excess of 10,000 sites, which appears to be at the present time an insurmountable task 6 billion tons of solid and hazardous waste are generated in the United States each year. 400 million pounds of toxics are discharged each year into our waterways by American Industry, according to recent data from the Environmental Protection Agency (EPA). A recent projects that at the current pace, it will take between 30 and 35 years and $253 billion dollars to cleanup most of the nation’s known and yet-to-be-discovered toxic waste sites. EPA projects that it will have to remediate at least 294,000 hazardous waste sites - and that number could go as high as 355,000.

THE PROTECTIVE APPROACH?

The E.P.A. in implementing the Safe Drinking Water Act, has failed to establish national primary drinking water regulations for organic chemicals. Since 1975, E.P.A. has issued only a very short list of maximum contaminant levels (MCls). The list includes a few pesticides and herbicides, a small number of inorganic chemicals, a standard for coliform bacteria, turbidity, radionuclides, and since 1979, trihalomethanes. A total of 130 priority pollutants.

The startling facts are that there are currently, in excess of 100,000 chemicals that have been released to our environment, with roughly 1000 additional chemicals added every year. Yet the EPA only tests about three percent of them. In summary: Municipal Water Utilities are required to test for levels of only 130 or so chemicals when there could be hundreds or even thousands of chemicals present in some in parts per million or billion that could be potentially dangerous to humans. How many compound chemical combinations are possible with a list of 100,000 individual chemicals? Here is an example of how scary the answer could be. Water utilities add chlorine to the water as a very necessary disinfectant for killing water born viruses and a number of bacteria. Most all cities water contains some degree of humic acid formed by decaying plant and animal matter. In addition to chlorine being a known carcinogen, when chlorine comes in contact with humic acid, four more individual carcinogens are created called trihalomethanes (THM’s). Combine just two and get four?!

Now imagine the possibilities of mixing 10’s of thousands in your drinking water.

EPA’s FAILURE

The consequences of EPA’s failure to establish standards for organic chemical contaminants in drinking water are very serious. First, because the establishment of standards is a necessary prerequisite for triggering monitoring of drinking water quality, water suppliers are not presently required to monitor the water they sell for organic chemical contamination. The only contaminants they must look for are the relatively small number presently included in the current regulations.

Thus, unless chemical contamination of a supply is so gross as to cause taste, odor or public health problems, most water utilities across the country do not routinely monitor for unregulated contaminants and accordingly, do not know the chemical quality of the water they provide. Second, and equally important, other regulatory programs designed to prevent contamination of ground water are keyed to the National Primary Drinking Water Regulations.

Under the Resource Conservation and Recovery Act (RCRA) leachate from hazardous waste landfills is only tested for the presents of chemicals included on the agencies short list of primary drinking toxic chemicals at thousands of hazardous waste sites across the country continue to seep into the nations underground, contaminate the land, and poison the air. The U.S. Accounting Office says that the Super Fund program will be required to clean up, in excess of 300,000 sites, which appears to be at the present time, an insurmountable task 6 billion tons of solid and hazardous waste are generated in the United States each year. 400 million pounds of toxics are discharged each year into our waterways by American Industry, according to recent data from the Environmental Protection Agency (EPA).

In 1997, Americans generated 340 million tons of municipal waste, which averaged 1.272 tons per person. It is estimated that since 1990, more than 11 billion tons of domestic and foreign waste have been disposed in the U.S.. This is equal to covering every acre in the nation with 4.7 tons of waste. Relying on EPA’s Franklin Associates, which calculates price per ton of municipal waste disposal at a conservative $100/ton, the total cost to consumers of all waste disposed in the U.S. since 1990, is in excess of $1.1 trillion.

Cover Up Or Watered Down Facts

It is interesting to hear how so many water utilities brag about the superior quality of their water. San Diego boasts of its water quality when at the same time it contains 500 to 600 milligrams per liter of dissolved solids which is considered undesirable for drinking by most health standards.

Sierra Club director, Carl Pope, is the author of “Hazardous Waste in America”; recently wrote in California Magazine: The water that is rejected at the Sacramento tap flows into the city sewers, where it mixes with household waste and industrial effluent containing a variety of heavy metals and solvents. Some of these, but only some, are removed by the sewage treatment plant. The remainder dissolved in the effluent, pour down into the Delta where the Sacramento is joined by the San Joaquin River. Down the San Joaquin River come toxaphene, Mercury, Chlordane, PCB’s, Arsenic, Cadmium, Copper, Chromium, Lead and Selenium, all of which are on the EPA’s list of priority pollutants a mix making this is one of the most heavily polluted rivers in the state. Most of this pollution comes from surface and subsurface agricultural drainage; the remaining from mining, timber and other industrial activities.

The Delta itself adds more pesticides and herbicides from agricultural operations, heavy metals from energy facilities and organics from gasoline storage and transfer facilities. EPA officials estimate that of the 2.5 million storage tanks, that as many as 100,000 are leaking 11 million gallons a year. Other sources indicate that as many as 420,000 tanks may be leaking now, and experts predict that 75% of all tanks will begin leaking over the next 5 to 10 years.

Then as the water makes its way to San Jose, Los Angeles and San Diego in the California Aqueduct, it continues to pick up pesticide residue from spraying operations on farm lands along the aqueduct itself. “As goes California, so goes the rest of the country.”

LEGALIZED POISONING

Every year, millions of pounds of chemicals that can cause cancer, birth defects or sterility even in trace amounts are released directly or indirectly into our drinking water, with the approval, sanction and authority of state and federal agencies. In addition to these contaminants the water utilities add many others during treatment. A predicable mixture of hydrogen and oxygen, water is only truly pure if it is distilled. In its natural state, water contains a number of chemicals, among them sodium, calcium, fluoride, carbon dioxide and a number of minerals. Most minerals found in water are inorganic which our bodies cannot chelated and assimilate. But nature’s contribution is only a start.

As many as 60 chemicals may be added during the collection, treatment. And delivery process; ie, CHLORINE: a disinfectant to kill bacteria and other microorganisms. (Science has now discovered that when chlorine comes in contact with decayed plant and animal matter, trihalomethanes (THM’s) are created, which have been found to cause cancer in humans.) LIME: added to retard corrosion of pipes, or to neutralize water that is too acidic. COPPER SULFATE: to kill algae.

ALUMINUM SULFATE: to force solid particles to clump together and settle out. Sodium bisulfate or sulfur dioxide: added to correct an over-supply of chlorine in the water.

Thirty-two people die every day from bladder cancer in the USA. Although the National Academy of Sciences has identified as carcinogens 22 of the chemicals found in drinking water, and many others are known to be mutagenic or otherwise toxic, the vast majority of the estimated 1,200 chemicals so far detected in drinking water have not yet been tested. Little is known about the adverse health effects of many of these chemicals, especially in the minute amounts that may be present in drinking water.

What about the additional threat of combining the chemicals in water with those found in our foods? Such effects are not always immediate though. It may be decades, even generations, before the health problems appear, and just as long before scientist can be sure of the risks. With the aid of modern technology, water utilities are doing all they can to clean up the water. However, regardless of the fact that the chemicals and other cancer causing substances are at safe levels and considered fit for human consumption based on government safety standards, should we still drink it?

Do they drink their own? Los Angeles boasts of its water quality. “Despite spending $1 million in the last two years to assure Los Angeles residents that their tap water is not only safe to drink but also top quality, city officials spent $88,900 in public money during that time on bottled water from private firms. The Department of Water and Power, which supplies the city’s water and promotes it, spent the most on bottled water, paying $31,160.” Atlanta Journal Constitution 01/04/06

Since water is the most important single element for supporting life, second only to oxygen. Should it not be something that you know something about? We can live 40 days without food but cannot live much longer than 6 days without water. Water serves three major purposes in our bodies. 1. It controls body temperature. 2. It is the solvent for the foods we eat, carrying the nutrients to every cell of our body. 3. Water replaces bodily fluids such as blood plasma, lymph, digestive juices, bile etc. and washes and bathes every cell, flushing and carrying away waste materials and toxic poisons. If water is so vital to our health and existence, should we not we drink the healthiest water possible? What would that be you ask? Distilled water.

Doug Hoover is the founder of the Distillation Station and the author of, The Distilled Water Book. In 1974, Douglas discovered the health benefits of drinking distilled water and was cured of a severe case of gout by drinking three liters a day. He has remained in perfect health, free from sickness and disease ever since. Douglas Hoover continues to drink and advocate distilled water. http://www.distilledwaterauthority.com - http://www.durastill.com

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January 18, 2009

How to Stop a Cat From Going to the Bathroom on Floor

Cat training is very complex and interesting, because in theory training should be quick and easy due to their high intelligence level.Training is best begun when it is still a kitten.Proper training is well worth the trouble because it will benefit the health and safety of both cat and owner. Feline training is also not that easy and is often exasperating as a cat has a different way of understanding as compared to a dog. So,it is limited in both method and results.

The key to success is to make sure that whatever you want your pet to do is exceedingly rewarding and pleasurable. Pet training is not always easy, but it is very rewarding especially if you want to have a well trained pet that will add a lot of fun, joy and laughter to your family. A pet that is not properly trained will not understand what is acceptable and what is not, which is why training is so important to both the pet and his/her owner. While not as easily trainable as dogs, cat training is a worthwhile endeavor for both the owner and cat to learn obviously for a well adjusted pet. The key to successful training is to teach your pet things that he is interested in. Ebooks usually come with a tempting bonus or two and cat training is no exception. Complete, easy and effective pet training is now possible at home and is an excellent way to enhance the pet’s life:. The secret of any pet training system is that you really have to commit. It is a must have for anyone wishing to gain control of there pets bad behavior problems.

Each pet has a unique personality, just as humans, and some pet owners never have an issue with their pets behavior, while others will have to train theirs. In terms of cats you can begin while they are still quite young, as long as you try to understand the instincts they possess and the psychology behind their behavior.

Training a cat to use the toilet is becoming more and more popular, and guess what it is very easy to do. It builds a strong rapport between you and your cat because training underlines your authority (your cat has to do what you want to get what he wants), It also helps to curb dominant behavior and keeps your cats mind active, stimulated and fosters great interactive play, which also teaches good social skills.

Show your pet that you appreciate their good behavior and you will find that training them is fairly simple. The key to effective training is consistency. It can be a fun and exciting way to interact with your pet and teach it the right things to do. Pet training fosters bonding between the owner and the pet, and creates a mode of communication which brings humans closer to the animal world and brings animals closer to the human world.

David Cormier currently publishes a blog http://www.squidoo.com/catraining

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January 17, 2009

Celebrity Tattoos - Tommy Lee

It’s time for another edition of celebrity tattoo. Today I decided to do Tommy Lee, mainly because I have been watching this show called Battleground Earth that comes on the Green Channel that stars Tommy Lee and Ludacris. I think it is safe to say that we all know that Tommy Lee pretty much has half if not more than half of his body covered in tattoos.

However, I wasn’t able to find a list of all the tattoos Tommy has, Tommy himself has even lost count. But I do know that he has Mayhem tattooed across his stomach, he has an ex-girlfriends lips tattooed on his neck. He has Brandon on one wrist and Dylan on another. Interesting note, he had both Brandon and Dylan write their names out and he took those to a tattoo artist and had him tattoo them on his wrist. And he has a huge tribal design covering almost all of his back. He also has two stars on each hand. This is pretty much all I know. Because the tattoo sleeves he has on his arms are pretty hard to make out. He also has several tattoos on his legs too but I’m not too sure what they are.

Tommy recently developed a clothing line called TL for PL and guess what the inspiration of his clothing line was? His Tattoos.

“I lost count a long time ago of how many I have. They’re all beautiful things. I love animals, and so there is everything from koi fish to leopards. There are cherry blossoms. I love flowers. There are dragons. There is fire and water. These are things that I will always love to look at, and hopefully people will love to wear.”

Ashley enjoys writing on her Tattoo themed blog at http://infinitetattoos.wordpress.com please stop by and drop a comment :)

For more information and access to over 15,000 tattoo designs online, check out Ashley’s sponsor at http://InfiniteTattoos.com

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January 16, 2009

Are You Doing All You Can For the Fight Against Global Warming?

Global Warming - Information and Tips regarding Global Warming

Definition of Global Warming:

Global Warming is the increase in the average measured temperature of the Earth’s near-surface air and oceans since the mid-20th century, and its projected continuation.
Average measured temperature is the instrumental temperature record shows the fluctuations of the temperature of the atmosphere and the oceans as measured by temperature sensors. Currently, the longest-running temperature record is the Central England temperature data series that starts in 1659. The longest-running quasi-global record starts in 1850.

IPCC:

The Intergovernmental Panel on Climate Change (IPCC) concludes “most of the observed increase in globally averaged temperatures since the mid-twentieth century is very likely due to the observed increase in anthropogenic greenhouse gas concentrations via an enhanced greenhouse effect.

These basic conclusions have been endorsed by at least 30 scientific societies and academies of science, including all of the national academies of science of the major industrialized countries. While individual scientists have voiced disagreement with these findings, the overwhelming majority of scientists working on climate change agree with the IPCC’s main conclusions.

Effects of Global Warming:

According to projections made by the IPCC, the average global surface temperature will rise a further 6 degrees Celsius during this century. Although most of the studies and predictions are made up to a certain century, warmer temperatures and the rise of the sea level are expected to continue for more than a 1000 years even if greenhouse gas levels are brought down.”

Some of the effects of Global Warming include

  1. Increase global temperature and that causes sea levels to rise.
  2. Increase in the intensity of extreme weather events decreasing tropical areas and increasing the amount of deserted places.
  3. Agricultural cycles changes.
  4. Mass species extinctions.
  5. Increase of disease spreading.

Uncertainties include, the amount of warming that will take place in the future and how it will differ from region to region around the world.

Governments are trying to make a difference and most of the national governments have signed the Kyoto Protocol. The Kyoto Protocol is a protocol to the International Framework Convention on Climate Change and it is aimed at reducing greenhouse gas emissions.

So as you can see, Global Warming is happening and is happening now. It seems that the future of our children looks dull, but we as parents, leaders and decision makers can still make a difference. We need to change our thinking and our daily habits. This is not an easy thing to do, but we can and must do it. There is lots of information and tips that we can use in our daily life to live a greener live. There are even products we can buy to implement in our lives that can help saving energy and be more environment friendly.

For more Tips and Products on helping Global warming go to the website http://www.globalcause.us . There you will find Tips at the Office and products for a greener living. Some Green Products include Battery Reconditioning, Carbon Trading and Green Book of Natural Healing

My name is Alwyn Myburgh. I am a professional sportsman, so I am outside exercising every day. I know how important the environment and clean air is. We all are effected by global warming and we all care. Lets make a difference.

Go to: http://www.globalcause.us NOW!

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January 14, 2009

Video Marketing - Free and Easy Way to Drive a Tsunami of Traffic to Your Site!

Are you giving your customers the best in video marketing on your website? It should be the priority for you because it is hot right now. Your competition is allowing this capability to your customers, why aren’t you.
Some facts about the use of video marketing you should know are listed below.

1. United States Public Domain

You can go to the United States website for public domain videos to use for your visitors. They are free for you to download and can be interesting ways to bring in traffic to your site. Some great space and history videos can be found here for those interested in that sort of thing.

2. Digital Files For DVD Use

Digital files can be changed into a DVD product to sell to your customers for extra profit so they can watch them at home in comfort. This video marketing works if the digital file is high quality so it transfers in a clear way to the DVD offered for sale.

3. Other Websites For Free Domain Videos

Take some time to search the internet for free public domain marketing materials for your website. Some really great videos are out there waiting for your download to begin and for you to use for video marketing.

4. Themed Websites

Create your website around a theme and offer your marketing that works with that theme. You can spice up your website and get those interested coming back for more on a regular basis.

There is no doubt that video promotion is a quick-fire way to generate tons of traffic.

Fabian Tan is a well-known Internet Marketing expert and the author of the popular 45-page Report:

“Murder Your Job: How To Build Cash Sucking Autopilot Businesses In 30 Days Or Less!”

Head over to http://www.MurderYourJob.com to get your FREE copy now!

Also, quickly download his FREE “Explosive Traffic System” report that shows you how to generate 10,000+ visitors per month at no cost! => http://www.ExplosiveTrafficSystem.com

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December 19, 2008

titleOlympic Topiaries - A Symbol of Pride to Peoples Republic of China/titlepOne may be hard pressed to pinpoint the single most impressive sight throughout the 2008 Beijing Olympics, as the city lends itself so naturally to inspiring displays. Much of the focus was placed on the Games opening ceremonies, and the striking new structures that were built specifically for the 2008 contests. However, it was the Gardens at the Beijing Olympics that gave visitors the opportunity to take in the natural beauty of the destination./ppFor two months, thousands of carefully crafted topiaries and gardens, comprising more than 40 million plants and flowers of more than 50 unique varieties, were displayed at the Science and Technology Park. The area was specially chosen for its close proximity to other Beijing highlights including Tiananmen Square and the Central Olympic Zone./ppThe Gardens at the Beijing Olympics include the Homes for Plants, Gardens for Humans exhibit, which is one of 80 botanic gardens in more than 25 countries continuing the global effort to convey the beauty in diversity./ppTo this end, during the Beijing Olympic Games, the Peoples Republic of China took great strides to present a united, peaceful reflection of the countrys culture. The topiary gardens in Beijing are among more than 50 Olympic gardens in 43 cities. Shanghai, Guangzhou, Tianjin and many other Chinese provinces joined in the effort with their own gardens./ppIn keeping with Chinese botanical heritage, the topiaries depict images integral to the countrys history. Giant Pandas, dragons and jumping dolphins join various water elements and images of Buddhism, Confucianism and Daoism to show the comprehensive culture of the Chinese people. In addition to these displays of national pride, plant sculptures of athletes participating in various sports adorn the gardens, a testament to the 10,500 participants in the more than 300 events during the 29th Olympic Games./ppThe gardens didnt just serve a symbolic purpose. Together with more than 100,000 square meters of rooftop gardens planted throughout Beijing, they helped in the Olympic Greening effort, to perpetuate cleaner air for the athletes and other visitors to Beijing. Indeed, there was much reported in the several months prior to the games about the abysmal air quality in urban China, and what it meant for Olympic competitors trying to compete at their best./ppAs is the case with the Opening and Closing Ceremonies, and all events in between, the Gardens at the Beijing Olympics are the result of months of planning and effort of countless organizers. The topiary displays were created and implemented by staffers from the Chinese Academy of Sciences, Botanic Gardens Popular Network, Beijing Municipal Science and Technology Committee and the Botanic Gardens Conservation International./ppFor anyone who was fortunate to visit the Olympic gardens in Beijing, it was difficult to miss the sense of pride both portrayed and inspired by the images so carefully crafted by its people./ppLucy Bushman is an accomplished niche website developer and author./ppTo learn more about a target=_new href=http://theolympicsinchina.info/olympic-topiaries-a-symbol-of-pride-to-peoples-republic-of-china/Olympic topiaries/a, please visit a target=_new href=http://theolympicsinchina.info/The Olympics in China/a for current articles and discussions./pbrbr

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titleMaking a Sustainable Difference/titlepstrongCorporates for a Better World/strong/ppThe Delhi-based researcher, who also runs several businesses and non-governmental organisations (NGOs) at the same time, explained why he felt it was important to talk to business people about the critical issues facing todays world. I would like to help them think more deeply about how corporates can contribute to a better world. And that is not only through charity and philanthropic giving, but by actually designing and running their businesses and making their profits in a manner that creates wider and longer term benefits for people and society./ppThe purpose of Dr Khoslas presence was to highlight his cause of promoting sustainable growth. During the two hour session, he amplified on his view, that, unlike Singapore, The rest of the world is not in good shape, and the extremes of poverty and environmental degradation that exist elsewhere will also soon start having an impact on life in Singapore. So even from a selfish point of view, it is important to see the Third World prosper, as the health and happiness of the state of Singapore depends on the health and happiness of the rest of the world./ppstrongA former director of the United Nations/strong/ppEnvironment Programme, Dr Khosla was named to UNEPs Global 500 Roll of Honor in 1992. Recently, along with many others including Prince El Hassan bin Talal of Jordan and celebrity cum activist Bianca Jagger, he was a founding member of The World Future Council (WFC)./ppstrongEradicating Poverty/strong/ppExpressing his concern over the public awareness of sustainable development, he states, There are, of course, many issues that will determine the kind of world our children will live in. Currently, with Nobel prizes and films highlighting climate change, this topic is top of mind to most people. But we should not forget how important it is also to eradicate poverty. Poverty today is so stark and so pervasive, that its possible that it will destroy the planet before climate change does. Not the planet literally, but civilization as we know it./ppIn fact, one consequence of poverty is that with it goes population growth. Its the poor who produce the most offspring. As long as there is poverty, there is going to be more and more population growth. If poverty is not removed quickly, we will by the year 2050 end up with 1.5 to 2 billion extra people. So it becomes extremely urgent even from the point of controlling climate change to end poverty. Eradicating poverty is as urgent as reducing our energy use and carbon emissions. Even with so many people living largely outside the economy, the world today is using 20 percent more energy and resources than it can produce sustainably. Climate change is a symptom, not the cause of our problems./ppstrongSpecies Loss/strong/ppDr Khosla is concerned about a number of critical issues that face the planet. In ten years time, Id say the main cause for concern will be extinction - the loss of species. We are losing several hundred species every day. The problem is, when you start losing species, you start losing resources for the sustenance of human beings, as we dont know what each species is capable of. For example, the Rosy Periwinkle flower in Madagascar is down to a few hectares of land; it is critical as a natural source of a pharmaceutical benefit that cures childhood cancer, he imparts./ppDr Khosla served as special advisor to the World Commission on Environment Development, Geneva, which popularised the concept of sustainable development. He is also Chairman of the Development Alternatives Group - a non-governmental organization that he founded 25 years ago to promote commercially-viable, environmentally-friendly technologies, particularly aimed at the needs of the rural poor in Third World countries. They have created over 20 major technology groups ranging from ultra-low cost housing, clean water and sanitation, energy and livelihood creation./ppDemonstrating what he practices, the Development Alternatives headquarters in New Delhi was constructed out of compressed mud bricks, with minimal use of cement, steel, bricks or wood - saving energy that would have been required to manufacture these, equivalent to the wood from five hectares of forest land./ppstrongImpacting Lives/strong/ppOn the ground, the achievements of his organisations, he says, are significant but not yet enough. If you look at the numbers of the lives weve had an impact on - that is 2.5 to 3 million people. If you look at the kind of issues, from increasing the forest cover, bringing back rivers, and doing things that bring the kind of change needed to make development sustainable, weve had probably as much impact as any single organisation in India. In fact, our technologies have led to the creation of some half a million houses: something that few government agencies or businesses have achieved. In 2002, Dr Khosla was awarded the prestigious UNEP Sasakawa Environment Prize - the Nobel Prize of the environment world - for his contributions in the creation of sustainable livelihoods by empowering people managing to survive below the poverty line./ppIn his acceptance speech, Dr Khosla said, Is our society so immunised that it needs a St Francis or a Mahatma Gandhi to arouse our sense of outrage at the inequity and injustice that exists in our world? Or could we somehow find it by ourselves in our own consciences? Is it acceptable to our individual or collective sense of humanity, in todays world of knowledge and plenty, that there should be a single woman, man or child who is hungry, thirsty or illiterate? Let alone three billion, the greatest mass of poverty known in history./ppstrongMassive Wealth and Massive Poverty/strong/ppI believe that it is no more unacceptable than the absence of democracy, human rights and freedom over which so many people do occasionally manage to get worked up about. And, meeting here in this extraordinary tribute to peoples creativity and surrounded outside by the greatest concentration of wealth and power ever seen in history, one has to ask: is this simply a massive disjoint? Or is there some connection? Could it be that massive wealth cannot exist without massive poverty?/ppGrowing up in India, the son of a university professor, and where his father eventually became a diplomat, gave Dr Khosla a privileged lifestyle in terms of education and experience of worldly issues. An interest in science at an early age led him to gain a Masters Degree in natural sciences from Cambridge University, for which he cited his professor as a source of inspiration./ppstrongTeaching Al Gore/strong/ppDr Khosla went on to complete a PhD in experimental physics at Harvard. This was followed by a period of teaching, where he assisted Professor Roger Revelle, the eminent oceanographer in designing and teaching Harvards inaugural undergraduate course on the environment. One of the students of the course, ex-US Vice President, Al Gore, highlights in his award-winning film An Inconvenient Truth the inspiration he got from the course./ppOn his return to India, Dr Khosla was asked to start the governments Office of Environment Planning and Coordination as the founding director, which was the first such agency established in a developing country./ppAppointed director of Infoterra in the United Nations Environment Programme in 1976, Dr Khosla designed and implemented the global environmental information exchange developed to provide access to authoritative information on environmental matters, and encourage people to learn and become involved in managing the development, environment and security of our changing world./ppstrongThe Club of Rome/strong/ppWorking tirelessly to demonstrate and promote his causes, Dr Khosla has been a board member of a number of global environmental organisations, including the Club of Rome, which was founded in 1968 by a concerned group of business leaders who believed the economy had a direct influence on the environment and vice-versa./ppThe group attracted worldwide public attention with their report Limits to Growth which Khosla says, with over 30 million copies sold in more than 30 translations, is one of the best-selling books in history. Many consider it the launching pad of the environmental movement./ppstrongWorking with Deepak/strong/ppHaving been a board member for a number of organisations such as the World Conservation Union and the International Institute for Sustainable Development, he has also served as an advisor to the World Bank, the United Nations Development Programme and the Indian government. Dr Khosla is also a founding member of the Alliance for a New Humanity, founded in 2003 along with Dr Deepak Chopra and other well-known leading figures./ppWhen asked what sustains his passion and drive, Dr Khosla reveals, I feel that its my job to do something about the environment in all aspects. I dont want my (only) son to ask me in 10 years time - why didnt I do something when I knew I should have? - and he knows I could have. More information can be found at a href=http://www.devalt.org/ashok.htm target=_blankhttp://www.devalt.org/ashok.htm/a/ppYou can read more about a target=_new href=http://www.resultsfoundation.comXL Results Foundation/a We also provide a unique profiling system with which you can discover your path of least resistance to wealth. This is a very powerful tool for any company manager or entrepreneur. Thousands of people have already discovered their path, now you can do the same at a target=_new href=http://www.xlwealthdynamics.orgXL Wealth Dynamics/a/pbrbr

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December 18, 2008

titleHealth Insurance Rates Are Going Up/titlepYou wont like the answer to that particular question, but the facts are the facts. Health insurance rates are going up because of us. Thats right, we are the authors of our own misfortune if you will. Very simply we do not look after ourselves and by doing that, we send the price of health care rates sky high./ppWe drink, we smoke, were aging (OK we cant do anything about that) and we dont work out. Our obesity rate as a nation is abominable. The health care costs of treating alcoholics, smokers and obese patients are phenomenal./ppIts not just that we dont take care of ourselves either. The other factors that drive up the cost of health insurance rates are medical inflation and medical errors. Now you might be thinking medical errors must cost a bundle. Actually, they are declining - a good thing by any standards./ppThe biggest area of problems is medical inflation. Just try to find out what a surgery will cost you, and good luck on that. Lets say for instance you needed an appendectomy. You want to know what that will cost. No hospital or doctors office will give you that figure because they have no idea what they will bill you for until they bill you./ppSurgery has almost become an a la carte menu where the doctor (and hospital) picks and chooses what you will get billed for. From the cost of dispensing pills to the cost of the pill itself and from the cost of the extra pillow you wanted to the extra dressing required for your incision. You get billed for each item. No wonder bills are so high and they cant tell you what it costs./ppHowever, having said that, its interesting that doctors offices are able to tell the biggest insurance companies paying the freight how much it costs to stay in hospital per day and what a certain surgery costs. See whats happening here? The doctor gets paid a rate by the insurance company and then bills you extra for other things. Nasty, but it works./ppIf you want lower health care rates, start taking care of yourself. Dont smoke, dont drink to excess and get moving and work out. The healthier you are, the less expensive your health care costs tend to be./ppClelland Green is with Benepath.com, a leader in providing a TARGET=_new href=http://www.benepath.com/health insurance quotes/a. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit a target=_new href=http://www.benepath.comhttp://www.benepath.com/a/pbrbr

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titleThe Power Of Video Marketing/titlepVideo marketing is a very cheap alternative to traditional advertising. Just one viral video can take the place of multiple forms of promotion.It is another online marketing technique that can drive tons of traffic at low cost./ppVideo marketing is exploding and will soon be the most popular online marketing strategy. While your high school English teacher may not be happy to hear this, recent surveys estimate that the vast majority of all people would rather watch a video about a company than read content about that same company./ppIt is rapidly becoming a huge online marketing service . Several marketers are appearing everyday who are using videos as a tool to reach out to their clients. It is the hottest thing in internet promotion right now and YouTube is popular with an older demographic where social networking hasnt spread./ppUnlike everything else Ive talked about - videos in themselves will not increase your search rank on Google! It is viral and relies heavily on community submissions and social taqging. If you think that shooting a commercial is enough to rank well and create a buzz, think again./ppVideo marketing is the way to go. People like to be entertained while they learn and that is what a video will do. This is greatly dependent on sites like YouTube and the YouTube software for distribution of content and marketing messages. While in time, the ubiquity of YouTube bots may dilute the effectiveness of the YouTube marketing campaign, at the present time there is still much to be gained from a strong YouTube marketing campaign online./ppThis is still a vastly underrated type of marketing, meaning that not a lot of people are using it and this is an area that is wide open for the taking. Why not try boosting your business with some video marketing?/ppIt is the future of the Internet, today there is an opportunity to stay ahead of the curve and receive the maximum benefit video Internet marketing has to offer. We can shoot, edit and optimize video for your practice and submit these videos to Google, Yahoo, YouTube and AOL Video./ppOnline Video Marketing has double impact in a short period of time . Online however, the rules change slightly; you are both everywhere and nowhere. Because of this, location takes a backseat to traffic. Online video is changing the way we market, and it requires skill sets they dont teach in business school (at least they didnt a decade ago. On one hand we have marketers believing their unique selling proposition is as interesting as the Numa Numa kid./ppWeb companies that desire to reach masses efficiently would feel only a greater need of turning to online video marketing companies. Web video marketing is powerful. If corporations are fearful of sharing video on YouTube, they can use the techniques you described to improve their own internal corporate communications./ppWeb companies that desire to reach masses efficiently would feel only a greater need of turning to online video marketing companies. Web video marketing is powerful./ppTodd Ash Is An Entrepreneur and A Master Of Network Marketing.To Find Out More About Succeeding Online a target=_new href=http://www.ToddAsh.comClick Here To Visit Toddash.com For Free Information/a/pbrbr

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