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Friday, August 15, 2008

Michigan is allowing federal government to get fees from..

Starting next month, some parents who receive child support checks will see an annual fee of $25 taken out of their checks as part of a new federal law.
The change -- which was outlined in a recent letter sent to custodial parents by the state's child support office -- is expected to net nearly $3 million a year. Most of that money will be sent to the federal government to reduce its budget deficit.
The fee applies only if the parent does not receive food stamps for a child, does not and never has received cash assistance, and has received at least $500 in child support, said Marilyn Stephen, director of the Department of Human Services' Office of Child Support.
Its bad enough that the child support court already charges a fee to collect child support. Then they have a racket that the court can charge you interest on arearage fees goes beyond belief. So not only does the state benefit from child support but the federal government does as well, simply because you had a child. The fact that every man or woman who pays child support has a fee attach to his order to pay is insane! The child support system makes millions of dollars each year from people paying child support and even more for those individual who don't pay...

I personally am upset with state officials because the federal legislation gives different options for collecting the fee, but Michigan has chosen to withhold funds intended for kids instead of collecting it from the non-custodial parent or paying it directly out of the general fund.
Michigan legislators determined that it would be handled in this way once it starts in one state you can believe that other states will soon follow. At first child support was taken for the benefit of the child, now it will be to pay back the federal deficit. Once it works in this state you can only imagine that it will spread like wild fire accross the other 49 states.

Wednesday, August 13, 2008

Crude Oil prices may fall to $90

A few weeks back, global analysts were as hot as crude oil, that was surging past $140 per barrel. Most analysts then predicted that crude oil would touch a record $200 soon. Now that crude oil prices are falling day by day, most analysts are changing their tones according to the times. Joyce Williams, a London-based crude oil analyst said on Sunday that the global oil prices would crash to $90 per barrel level soon, thanks to the slump in commodities market."The times of high crude oil prices are all gone. You will find crude oil prices crashing," Williams said. He pointed out that declining demand for oil and signs of economic slowdown across several nations in the world are the main reasons for the crash in crude oil prices.In the last few weeks, crude prices have come down by over one-fifth from the record highest level of $147 on July 11. Last Friday, crude prices stood at $115 per barrel on the New York Mercantile Exchange."Crude oil has lost steam.
The dream that gas prices could fall back below $3.00 a gallon is not so far fetched? Although the schemes to keep gas prices high is and will be done behind the scene. The oil companies were raking in huge profits, so it goes without saying that it would be just a matter of time before something mysteriously causes the gas prices to rise back up again. Gas prices and oil prices should inversely effect each other. If one goes down then the other should react the same way. While we have to wait weeks for the gas prices to fall like the oil prices has been doing. Let the hint of a disaster happen, you can believe that is all they need to take the gas prices back to $4.00 dollar a gallon for gas.

The greatest Olympic medalist ever

With 11 gold medals, Phelps has won more golds than any athlete in history. He is now the greatest Olympic medalist of all time.You are now looking at a multi millionaire in the making. His face will be associated with everything that you can think of. He is already being sponsored in a credit card commerical! Great job mr Phelps!!!

Tuesday, August 12, 2008

Tips for obtaining a better home loan


As a home buyer, it only makes sense to try and obtain the lowest interest rate when applying for a mortgage. After all, that rate is a primary component of the mortgage payment, so it has a direct bearing on the amount of money you’ll pay each month.
But how do you get a low rate when applying for a home loan? This is the question many home buyers want to know. So in this article, I’ll explain three important concepts you should keep in mind when seeking the best rates from mortgage lenders.
Concept #1 - Your Credit Score Plays a Role
The first thing to realize is that the interest rate you are offered will be partly determined by your credit score and financial history. In other words, the best mortgage terms are usually reserved for those home buyers with the best credit scores.
What does this mean to you when buying a home and applying for a loan? It means that your credit score will often dictate the type of interest rates you are offered. So if you have a bad credit history, and your score illustrates this to the lender, then there’s little chance you’ll be getting the best interest rate. If this is the case, you should focus on improving your credit score before you go shopping for a mortgage online.
Concept #2 - The Mortgage Type Makes a Difference
The type of home loan you select also plays a role in determining the interest rate you receive. So it’s important for home buyers to understand this concept as well. For example, an adjustable rate mortgage (ARM) loan will generally come with a lower interest rate than a fixed-rate loan — but that is only for the first few years. Of course, the rate on an ARM loan will also adjust at some predetermined point in the future, and typically this adjustment means a higher interest rate! That’s another thing to keep in mind when mortgage shopping.
Concept #3 - You Must Compare Lenders on Key Factors
There is one last thing I want to touch on, and that is the need to shop around in order to get the most favorable rates from a lender. Shopping for a loan is just like shopping for anything else — you have to compare multiple lenders in order to find one that offers the best rates and terms on the loan.
Many buyers don’t realize that ten different lenders may offer you ten slightly different mortgages. The interest rate will vary, the terms will vary, the closings costs will vary … you get the idea. And these make a big difference in the amount of money you pay over the long haul. That is why it’s so important to compare lenders and to carefully review the information they present to you, ideally with a financial advisor of some kind (or at least someone who is mortgage-savvy).

The Company You Keep It



The Company You Keep It Is Better To Be Alone, Than In The Wrong Company.Tell me who your best friends are, and I will tell you who you are.
If you run with wolves, you will learn how to howl.But, if you associate with eagles, you will learn how to soar to great heights.
A mirror reflects a mans face, but what he is really like is shown by thekind of friends he chooses. The simple but true fact of life is that youbecome like those with whom you closely associate for the good and the bad.The less you associate with some people, the more your life will improve.Any time you tolerate mediocrity in others, it increases your mediocrity.An important attribute in successful people is their impatience withnegative thinking and negative acting people.
As you grow, your associates will change.Some of your friends will not want you to go on.They will want you to stay where they are.Friends that don't help you climb will want you to crawl.Your friends will stretch your vision or choke your dream.Those that don't increase you will eventually decrease you.
Consider This:
Never receive counsel from unproductive people.
Never discuss your problems with someone incapable of contributingto the solution, because those who never succeed themselves arealways first to tell you how.Not everyone has a right to speak into your life.You are certain to get the worst of the bargain when you exchange ideas withthe wrong person.
Don't follow anyone who's not going anywhere.
With some people you spend an evening: with others you invest it.
Be careful where you stop to inquire for directions along the road of life.
Wise is the person who fortifies his life with the right friendships.
Happy moments, Praise GodDifficult moments, Seek GodQuiet moments, Worship GodPainful moments, Trust GodEvery moment, Thank God
If you see people without a smile today, give them one of yours.Choose to rise...Don't settle...and go for your dreams!!!
And most of all let God lead you in everything you do.

'Do not ask God to order your footsteps,
if you are not willing to move your feet.'

Top 10 E-mail Mistakes


If you're like most professionals, you use e-mail in the office on a regular basis. Because of its immediacy and relative lack of intrusiveness, it's the communication method of choice for many workers, including, chances are, your boss. According to a Robert Half International survey, nearly two-thirds (65 percent) of executives polled prefer e-mail over other forms of communication.
While hitting "send" may be an effective way to get your ideas across, doing so too quickly or without a lot of thought can send the wrong message. Here are 10 common e-mail mistakes and tips for avoiding them:

1. A vague subject line. The subject line not only lets the person receiving the message know what it's about but also provides him or her with a reason to read it. Some people -- and your boss is probably one of them -- get hundreds of e-mails each day and may not have the time to open each of them. The subject line acts as the window into the message and can also indicate its urgency, so be specific with what you write there.

2. No sign-off. A weak signature is almost as bad as a weak handshake: Both convey a lack of professionalism. A signature at the end of your e-mail should include your e-mail address, physical work address and phone number. Including these details gives recipients multiple means of contacting you. This information is especially important for people to whom your e-mail might be forwarded or individuals either outside the company or in another office.

3. "Im writing re: the meeting @ 3."Many people take a casual approach when using e-mail. But what you write is a reflection of your professional self, so take the time to craft complete sentences, use proper grammar and check your spelling. And don't depend solely on your computer's spell-check function, which won't find misused words; review your e-mail carefully before sending it.

4. Going on and on and on. This strategy might work for the Energizer Bunny, but your goal when crafting a message should be to keep it short. You don't want to write the e-mail equivalent of a novel, so get to the point as quickly as possible, using both short sentences and paragraphs. At the same time, you don't want to write too brief of a message, which could make you appear curt.

5. SHOUTING IT OUT. Some people like the ease of typing in all capital letters. What they may not realize is this is the online equivalent of shouting, so avoid the temptation of using the caps lock button.

6. Striking the wrong note. Unfortunately, it's easy for tone to be lost with the written word, especially in shorter messages. An attempt at humor, for instance, may be read as something offensive or inappropriate. If you're not sure how something you wrote will be interpreted, err on the side of caution and leave it out.

7. Weighing others down. If your e-mail inbox is continually clogged, you know how frustrating it can be to receive large attachments, especially when you don't want them. And, according to a survey we developed, executives agreed, ranking the receipt of large, unsolicited files as the most annoying aspect of communicating via e-mail. Limit the distribution of massive files to people who absolutely need them.

8. Sending to the wrong box. Before you send a message, always double-check the list of recipients. Many e-mail programs automatically fill in information you've previously typed, such as the e-mail addresses of frequent contacts. If you have multiple people in your address book with similar names, you could mistakenly choose the wrong person and send him or her a message intended for someone else.

9. Mixing business and pleasure. When the information is confidential or sensitive, this move could limit your career. Any time you use your work e-mail account, the message should be business-related. After all, you are using your firm's resources, and the company has the right to monitor your communication. Get to know your organization's e-mail policy, and have your friends send non-work-related e-mail to your personal account, which you can check at home.

10. Over e-mailing. Do you find yourself typing a long message in order to avoid confusion on the recipient's part? Do you hesitate to click Send because you think your contact might forward your message to someone who shouldn't see it? E-mail is best suited for quick communication, and, in situations like these, it's wise to call your colleague or speak to him or her in person instead.
With e-mail correspondence becoming increasingly important in the workplace, you can only benefit from learning how to craft an effective message. So keep the above tips in mind the next time you sit down at the keyboard.

Monday, August 11, 2008

Issac Hayes died at 65


Isaac Hayes a trailblazer, innovator and creative genius and says he will be sorely missed. Hayes, the first African-American to win an Oscar for a music score died at his Memphis, Tennessee home yesterday at the age of 65. Hayes' wife found him dead on the floor near the treadmill, according to an MTV article. Coincidentally, Hayes was scheduled to appear in an upcoming production with the late Bernie Mac, reports the Memphis TV station.
According to Hayes' official Web site, the music icon was set to play himself in a musical comedy starring comedian Bernie Mac, who died Saturday. (WMC-TV)I grew up in New Orleans, but I was born in Memphis, Tenn. My parents moved back to New Orleans when I was a baby, but while in Memphis they owned a house and lived next door to a teacher who taught Hayes. I always felt a tiny personal connection to Hayes because of my birth town.However, I was also a fan of his music. Hayes not only won an Oscar for Shaft, but also won Grammy awards for the score and another classic.
In 1972, he won another Grammy for his album "Black Moses" and earned a nickname he reluctantly embraced. Hayes composed film scores for "Tough Guys" and "Truck Turner" besides "Shaft." He also did the song "Two Cool Guys" on the "Beavis and Butt-Head Do America" movie soundtrack in 1996. (CBS News)The Shaft theme is a classic, synonymous with cool bad ass, and about two years ago I made a point of replacing my vinyl copy with a CD. I used to have a clip of "Do Your Thing," another song from the Shaft score posted with a poem at AuthorsDen. And yes, I'm old enough to recall his music played frequently on the radio. Read more about Hayes' career at CBS. The man was a musical genius, but he also showed up in movies and television shows from time to time. As the MTV story points out, he experienced an unexpected return to the spotlight doing the voice of Chef on Southpark. However, Hayes quit the show when it took a poke at his spiritual beliefs. He was a Scientologist.

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