Auto Insurance ? Blog Archive ? Cheaper Car Insurance For Teenagers

When a teenager is excited about getting their very first car, I can assure you that their biggest concern, revolves around the sound system, the colour of the car, and how many friends they can cram into the back, rather than issues such as car insurance and insurance premiums. Although cars are given to teenagers as they come into adulthood, they are still very much youngsters at heart. Youngsters who would like the freedom with adulthood without the responsibilities which come along with it.

The parent on the other hand is the one who is left thinking of all the other details; the safety of the child, possible drinking and driving, theft, hijacking and car insurance. A car represents nothing but joy and freedom to the teenager, could mean nothing but worry and headache to the parent.

The parents are not the only ones thinking about the risks, the car insurance companies are as well. Car insurance for teenagers is more costly, because it has been statistically proven that young people between the ages of 18-25 are more irresponsible and reckless than older people. For this reason you can be assured that obtaining a car insurance quote for a teenager will be higher than the parents.

How to lower premiums

1.?? ? Add your teenager onto your car insurance policy. You can qualify for a multiple car insurance discount from your insurance company if you add your child onto your policy.

2.?? ?If you do not get a good rate with your car insurance company, or if you do not have any car insurance, your next best move would be to get car insurance quotes from as many car insurance companies as possible. The quotes can vary quite substantially depending on the insurance company so, do not settle for the first quote you find.

3.?? ?If you can, send your child on an advanced driving course. This will be proof that your teenager has better driving skills than most of his peers. Based on this you should get a discount.

4.?? ? If your teenager has a driving record which is less than squeaky clean your chances for getting cheaper car insurance diminish. A good driving record is proof of a responsible driver, use this in your favour.

5.?? ?To have a clean driving record you need to educate your teenager on the importance of safe driving. Not just to protect their own lives but to protect the lives of other people on the roads as well.

6.?? ?When buying a car for your teenager be sure to choose a model which has lots of safety features. A teenager with a little sports car is a major no, no for car insurance companies. And yes there are parents who do buy their teenagers sports cars!

These are just some of the ways you can save money on a car insurance policy for your teenager. Education about road safety is always the first way to ensure that your child stays safe, and that over time their car insurance premiums will drop.

Related posts:

1. You???ll Regret ???Fronting??? in the Event of an Accident Claim
2. Cheaper Car Insurance
3. 2010???s Safest Cars For Teenage Drivers
4. How young persons can spend less on vehicle insurance coverage
5. Car Insurance And Teens

Source: http://www.auto-insurance.tv/2011/07/cheaper-car-insurance-for-teenagers/

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California Cisco Engineer Volunteers As Film Teacher

Redwood City, CA Patch:

Editor's Note: Redwood City is filled with selfless volunteers who generously donate their time for worthy causes. Each week, Redwood City Patch will profile a resident who is giving back to our community.

------------

Brandon Middleton doesn't consider himself a professional filmmaker. But to the 18 students he inspired to shoot and edit the raw emotions of life, he's nothing short of Steven Spielberg.

Middleton is a volunteer with Citizen Schools, an organization that places students in apprenticeships with volunteers who have a certain expertise.

"It's been done for me," Middleton said. "I had great role models and mentors and it's only right I do the same."

Read the whole story: Redwood City, CA Patch

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Source: http://www.huffingtonpost.com/2011/07/29/california-cisco-engineer_n_913862.html

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NATO in north Kosovo withdraws from Serb roadblock (AP)

PRISTINA, Kosovo ? NATO forces in Kosovo withdrew from a barricade put up by hundreds of Serbs on Friday to avoid confrontation with Serb extremists blocking the peacekeepers from reaching a base in the Serb-run north, NATO's commander in Kosovo said.

"I had the option to enforce and open up the roadblock," Maj. Gen. Erhard Buehler told reporters minutes after he ordered his troops to pull out. "I decided not to do it because in the meantime so many criminals and extremists and armed people are here. It would be a nightmare."

The NATO spokesman in Kosovo, Capt. Hans Wichter said the decision by the top NATO commander, Maj. Gen. Erhard Buehler, was made "to avoid bloodshed" in the area, which has been rocked by violent incidents since Kosovo police moved to assert authority over minority Serbs that reject Pristina's rule.

The protesters applauded and cheered as U.S. and Slovenian peacekeepers turned around on a main road linking Kosovo with Serbia and crossed the Ibar river into the southern part of the areas dominated by ethnic Albanians.

Serbs blocked roads on Friday and have attacked border posts, firing at NATO peacekeepers in an attempt to keep control over Kosovo's north, which despite a NATO and EU presence remains under Serbia's realm.

Serbia's Kosovo negotiator Borislav Stefanovic, who is discussing the current situation with NATO, praised the decision to withdraw and said that an agreement was also in sight to resolve control over two crossing points between Kosovo and Serbia.

The development is likely to irritate authorities in Pristina seeking to increase authority in the Serb-run north.

NATO deployed reinforcements after Kosovo sent special police units to take control of two crossing points with Serbia in the Serb-run area, which doesn't recognize Kosovo's government. One Kosovo policeman died during the operation.

When the special police units withdrew and declared the operation over, a crowd of Serbs attacked one of the two border crossings and burned it.

NATO then took command of the crossings and declared the area a military zone. U.S. and French peacekeepers are still in control of the crossing points.

The military alliance has halved the number of its troops from 10,000 to over 5,000 since last year. But, the recent violence could delay announced plans for further reduction by the end of 2001.

The attack was the second of its kind since Kosovo's secession from Serbia in 2008. Immediately after the declaration of independence, Serbs attacked the border crossings and removed all signs identifying Kosovo as an independent state.

Since then, the two crossing points had been manned by Serb members of Kosovo's police and supervised by police from the European Union. However, goods coming in from Serbia did not pay customs duty, undermining Pristina's claim to statehood.

___

Zvezdan Djukanovic contributed to this report from Zvecane, Kosovo.

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/ap/20110729/ap_on_re_eu/eu_kosovo_security

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Slimming Cream | Weight Management

Posted on Sunday, July 31st, 2011 at 12:59 pm

Vegetarian Dieting great work

Vegetarian diet is a great way to remove toxins from your body, weight loss and health more experience. There are several important things to remember, however, for the disposal of animal products from your diet. Planning your meals you must understand how to incorporate a complete protein and all other additions needed to be certain that you are getting all the elements nutrients your body needs to enjoy optimal health.

There are three main common vegetarian diets to choose from. The plans stricter vegetarian is the vegan. These people avoid all fish, eggs, meat and dairy products. This includes generally all foods containing these products means that even the bread and pasta are prepared or purchased in this spirit.

The lacto-vegetarian excludes meat, eggs and fish, but do incorporate the use of dairy products. This individual can eat cheese, butter, milk, yoghurt and a host of other dairy products, while remaining within reach full power. Lacto-ovo-vegetarians exclude as meat and fish, but do permit the consumption of two eggs and dairy products. These two food options offer a wide range of selections in protein, but it is doubtful in some quarters that these plans provide less stringent the full range of health benefits that will be a vegan diet.

When you find out more about a vegetarian diet, it is important to do your research. absorbing sites and write as much as you can before you start. As illustration, for those who are involved in food vegetarian recipes. Easy search can discover how to lose pounds.

It takes a good dose of meal planning to ensure that you are getting the right food combinations. Many vegetarians find that they can get all the protein they need by the abundance of consumers legumes, nuts and other high-protein options. Some combinations such as corn and beans provide a more complete protein meal and many recipes can be made from this simple combination.

Be careful before starting a weight loss program. Maintaining your health is critical to the success of weight reduction plan. There are particular issues for a recipe low fat for vegetarians, so if that's what you plan, be careful.

The important thing for most vegetarians beginners to remember, especially those who pursue such a plan to lose weight is that simply eliminating certain food groups do enough to achieve health benefits. Many people who do not eat meat often eat a good amount of empty calories, including their own sweet of carbohydrate-rich food options, if they can be meatless offer no nutritional value. The key to a successful vegetarian diet is to remember that this is basically a diet based on plants and the main foods eaten should represent a wide variety selections of fresh and colorful.

Many people find that the vegetarian diet has a wide range of services, but only when done correctly. No matter what you choose to eat or not eat, there are always foods that should be moderate, foods that should be frequently consumed foods and to be completely avoided. A combination of online research and advice of a nutritionist or a doctor can give you advice and tools you need to enjoy a lifestyle without meat that is rich in health benefits.

Do not forget that the work makes a difference on the giant considering a plan vegetarians.

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Go Kart chassis tuning for Dirt Oval Racing

This is a basic guide on some of the changes that you can do on the track to try to vote in the chassis. All these changes should only be used after your basic set-up, which includes the end feet, stagger, fall and have weight. This basic set-up adjustments can be made during the week at home. The manufacturer of the chassis set-up should be a starting point. Over time, this point can vary depending on what is best for your driving style,different routes and different track conditions.

If you loose the element

1.Reduce air RR

2.Change to a lower LF

3rd Change a longer RF

4.Decrease LF camber

5.Add Cross Weight

Front weight 6.Decrease

Rear 7.Decrease stumble

If loose on exit

1.Increase RF camber

2.Change for a softer tire on LR

3rd Move LR

4th Weight gain cross

Rear 5.Decrease stumble

If the frameHe presses the point

1.Change for a softer tire RF

2nd For a larger LF

3rd Increase rear stagger

4th Lower air pressure RF

5th LF camber increases

6.Move LR off

When pressed to stop chassis

1st Acceptance RF camber

2nd Reducing the weight of the Cross

3rd Move out of LR

4th Change to a harder tire on LR

5th Increase rear stagger

6th Cut down on stagger

7th Weight gain before

If the frameBinding

1st Increase front and rear stagger

2nd Spend more tires

3rd Increase air pressure

4th Decrease cross weight

5th Weight gain back

6th Move from RR

4-wheel drift

1st Lower air pressure

2nd Move RR

3rd Switch to softer tires

4th Decrease weight to the left

5th VCG lift (seat height)

There are many useful tools to help and learn from the pilot with the set-up of their kart chassis.Most of these, as Longacre Caster / Camber Gauges, Longacre Computer Scales, Accutoe Pro laser gauge, Longacre Air Gauges, Longacre Durometer and Tyre Stagger Tape measures are for the most kart shops, including my own: http:/ / smokinjoeracing.com

Source: http://recreation-auto-racing.chailit.com/go-kart-chassis-tuning-for-dirt-oval-racing.html

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Skin Cancer Signs or symptoms and Symptoms | Article Submission ...

You could have invested also significantly time while in the sun and have observed brown spots on your skin. Is it cancer on the skinor not? That?s a little something that your main care physician can solution, however it is very good to go ready. Getting to understand all there?s about that spot in your skin is definitely the most vital factor you might be doing whilst waiting to go see the medical professional about this. You can find some things to know to determine if it skin cancer or not. When you go to the health practitioner you could be prepared together with the pursuing information and facts:

1. Oozing or bleeding of the skin- If you have this sort of skin, likelihood is you can find a scenario of skin cancer. This is not always the circumstance, but if you are owning such a symptom, it really is best to consult your health care provider suitable away. Oozing or bleeding from the skin in case you are wanting to know is it skin cancer or not could be a guaranteed signal that there?s an informality in your skin.

2. Change in size or coloration of skin- This can be a subtle modify that will be missed in case you are usually not spending awareness to the way your skin is forming. Searching at your skin every day, it is possible to see that it continues to be primarily an individual colour and measurement. Lumps and measurements of moles in your skin might be a red flag to the usual form of skin. Be conscience of one?s physique and know when there?s a degree of change to the skin.

3. Darkish coloring- Patches or dark spots with your skin ought to be looked at right away by your physician. In lots of instances, persons disregard the fact that their bodies have dark spots and do not bother acquiring them looked at. With darkish spots on your own skin, there could possibly be a chance that this is skin cancer. Being aware of regardless of whether or not it is actually skin cancer is very crucial if you are to reside longer.

When you have talked along with your major care doctor and established iscancer of skin or not, it is possible to think far better about all by yourself. It will require lots of courage to go into your doctor?s office and ask this kind of concern. There are various cases of skin cancer within the Usa to get skin cancer not be taken lightly. Once you have researched all there exists about cancer with the skin, you can have a very far better comprehension within the prevention of it. Stopping skin cancer from forming would be the finest you are able to do to your body. Usually be aware of what exactly is happening as part of your entire body and consult your main care medical professional in case you see any alterations in the skin.

Would like to learn a little more about Skin Cancer Symptoms, take a look at this page: Symptoms Of Skin Cancer.

This entry was posted in Health & Fitness. Bookmark the permalink.

Source: http://www.blogmusketeer.com/?p=44711

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Shell Q2 profit nearly doubles to $8.7 billion (AP)

AMSTERDAM ? Royal Dutch Shell PLC, Europe's largest oil company, reported Thursday a near doubling in second quarter profits as higher oil prices and one-time gains offset a drop in production.

Net profit of $8.66 billion was up from $4.39 billion a year earlier. Though overall output slipped because of asset sales, the company saw new, more lucrative oil projects come on line.

Earnings were also helped by a $1.44 billion gain booked on a mix of tax credits, trading activities, and asset sales.

The company's CCS profit, or profit at its current cost of supplies, was $6.55 billion excluding one-time gains, up from $4.21 billion a year earlier. The nonstandard measure, which seeks to strip out the impact of volatile oil prices on the company's earnings, is closely watched by analysts and came in slightly lower than they had forecast.

"Without the distractions which have plagued arch rival BP, Shell has been able to capitalize on higher energy prices and the bottom line performance is stark confirmation of the gap between the two," said Richard Hunter, Head of UK Equities at Hargreaves Lansdown Stockbrokers, in a note on the earnings.

Shares fell 0.9 percent to euro25.565 in a broadly lower market in early Amsterdam trading.

Though Shell has been investing heavily in new projects, production fell 2 percent to 3.05 million barrels per day.

Excluding asset sales, production would have risen 2 percent, Shell said, with 285 thousand barrels of oil per day added from new fields in Qatar, Nigeria and Canada more than offsetting the impact of field declines.

Hunter, the analyst, said these new investments would help the longer term performance, whereas potential headwinds, such as tax increases or regulation resulting from the Gulf of Mexico spill, were likely to strike the industry as a whole.

Profits at upstream operations were up 85 percent to $6.06 billion, including $641 million in one-off gains from tax credits, trading gains, and sales of operations, Shell said.

"We have made important progress with new production in 2011, and the ramp-up of our new projects should drive our financial performance in the coming quarters," said Chief Executive Peter Voser in a statement.

The downstream operations, which include the refining arm, saw profits drop 7 percent on a CCS basis to $1.08 billion, reflecting lower refinery intakes and worse margins. The non-CCS results included gains of $802 million, mostly from the sale of operations in Chile and the Dominican Republic.

Source: http://us.rd.yahoo.com/dailynews/rss/energy/*http%3A//news.yahoo.com/s/ap/20110728/ap_on_bi_ge/eu_netherlands_earns_shell

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Get Psyched for Sports: Pregame Mental Preparation Strategies
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Lano Carpet Bamboo Collection | Designer's Touch Flooring, Home ...

The Lano Collection contains Bamboo Fibers which have certain benefits.? Bamboo fibers have natural anti-bacterial properties,? and humidity regulatory properties, when turned in to yarn, make an extemely soft carpet. Bamboo is friendly to the environment, and can improve air quality by reducing dust particles, by trapping it in the pile until vacummed

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Make Your Music Server Military Grade [Audio]

Matan Arazi has a better sound system than you do. In this interview with the designer of the Audeeva Conbrio music server, Arazi lays out general and specific steps to make your music server sing. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/x7cXOgsqCFs/make-your-music-server-military-grade

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Stock investing ? When Should You Sell Stocks?

Stock investing ? Wh?n M??t Y?? Sell Stocks???

Article b? Ghazi Jones

Amongst numerous stock traders, one fastidious fault normally m?d? ?? investors m?? frequently tire out ?n th??r ?wn simply ?l?tt?ng ?n buying stocks devoid ?f foreseeing wh??h th?r? m?? possibly come ?n occasion wh??h th?? m?? need t? l?t g? ?f th?? kind ?f stocks w?th regard t? beneficial reasons. Usually, ??? m?? know th?t selling ??n ??rt??nl? b? more handy compared t? holding ?n t? something wh??h m?ght hit ??? up f?r a lot more ?n th? long r?n. B? realistic ?nd learn wh? th?n wh?n ??? need t? sell stocks.

Wh?n Y??r current Stock Investment I? N? Longer Doing Well

One fastidious extremely foremost reason th?t ??? m?? want t? look ?t selling ???r current investment ?? wh?n th?? h??? long gone sour b? underperforming out th?r?. Generally th?r? m?ght come a period wh?n dealing w?th fastidious stocks m?ght even set ??? back more th?n th? fastidious increases th?t ??? g?t ?n exchange.

Th?r? ?r? era nevertheless, wh?n ??? don?t consequently need t? sell fr?m th? instant. M?k? sure th?t ??? test probable th? explanation wh? ???r stock w?ll n?t b? succeeding, specific factors l?k? th? incorrect marketplace time ?r even th? occurrence ?f ??rt??n adjustments inside th? company m?? possibly typically result ?n ??m? decline ?n hand lifestyle.

B?t wh?n ??? h??? remarked th?t ???r ?wn stock ?? n?t reaching ???r current anticipations f?r ?n? sequential quantity ?f trading groups, ?ft?r wh??h ?t m?? well undoubtedly ?nd up being smarter t? ?nl? stay away fr?m fr?m ???r t?rr?bl? investment.

Whenever a Better Opportunity Comes up

A further ????ll?nt produce t? sell ???r ?wn stock w?ll b? ?f ??? find a much better opportunity ??? ??n b??. Th?? ?? th? recurrent purpose f?r many individuals t? sell stocks ?nd m?? even result ?n a churning surrounded b? th? investor?s portfolio, wh??h m?ght mean th?t th? investor?s account extremely active via usually purchasing ?nd selling ?? a way t? m?k? gains.

A? precisely wh?t h?? b??n previously mentioned, ?? soon ?? ??? believe a trade h?? really long gone t?rr?bl? ?nd ?t w??ld b? pretty hard t? surge above th? decline, th?n th? smart scale t? suit ???r needs w??ld l?k?l? ?ft?n b? selling ?nd looking f?r better possibilities available.

Wh?n Y??r Produce f?r Trading I? N? Longer Th?r?

Finally, one more ?f th? extremely typical causes wh? ??? m??t sell ???r ?wn stock ?? usually ?n case ??? h??? lost ???r belief surrounded b? ???r investment. M??t ??? h??? lost ?r h??? attained ???r reasons f?r investing, th?n, ?t ???ld b? fixed th?t ??? m??t feel th?t ??? simply sell ???r stock.

Th?r? ??n b? many reasons ?? th?t ??? ??n commit upon stocks ?nd many ?f th??? m?? perhaps b? th? possibility th?t ??? need t? gain commissions coming fr?m a ??rt??n company ?r perhaps ??? absolutely rely ?n a ??rt??n company?s item.

On th? ?th?r hand, once th? precious time occurs wh?r? ??? n? longer trust investing ?n ???r stocks otherwise ??? h??? lost ???r reasons t? d? th??, ?nd th?n selling ???r shares m?? b? th? suitable g? t? m?k?.

It ?? ?nl? sensible ?f ??? ?r? ?n investor t? never merely r??k?n ?b??t buying ?r buying stock shares ?nd t? visit th?t. R?ght now th?r? truly h??? t? b? a specific degree ?f training ?n ???r ??rt t? b? willing t? sell ???r investment ?t a later time. All things considered, ?f th? investment n? longer proves t? b? sensible f?r ??? t? retain, next selling ?t ???ld b? th? m??t effective g? available f?r ???.

Remember th?t th?t ??? ??n m?k? a success ?n stock trading, ?t?s essential t? bring along a variety ?f highs ?nd lows w?th th? activity. Take ?nt? account ?ll th??? factors expressed previously mentioned ?b??t wh?l? ??? m??t look ?t selling ???r stocks ?nd perhaps, th? selling scale ???ld b? a brilliant way f?r ??? t? rise above declines.

Ab??t th? Author

Ghazi Jones l?k? t? enter ?nd share h?? knowledge. One ?f h?? n?w interest ?? ?b??t jus manggis.T? learn more ?b??t jus manggis ?thttp://tadalli.com.

In a very special appearance ?n Switer TV, Peter Switzer combines h?? cautionary investing stylishness f?r Self Managed Super Funds w?th Roger Montgomery?s Value.?bl? intrinsic valuation technique t? produce a portfolio ?f f?nt??t?? businesses th?t generate high ROE, plenty ?f cash ?nd whose intrinsic principles ?? forecast t? rise over th? coming years. Peter Switzer insists th?? m??t h??? a high dividend yield. B?t Roger Montgomery warns against investing solely f?r a high dividend yield. Telstra ?nd Qantas ?r? ???t two examples. Over time, th? share prices ?f f?nt??t?? businesses th?t retain profits ?t high rates ?f ROE generally increase. If ??? need income, sell a few shares. S? wh?t companies m?k? ?t ?nt? th? Switzer Montgomery portfolio? Roger ???ld ?nl? find three whose intrinsic value ?? privileged th?n th? current share price. First ?n th? list ?n BHP, provided th?r? ?r? n? hiccups ?n China t? produce th? iron ore price t? halve. Wh?t ?th?r A1 business m?k? ?t ?nt? th? Switzer Montgomery portfolio? Watch th?? interview t? find out. Watch P?rt II ?f th?? interview ?t blog.rogermontgomery.com Switzer TV w?th Peter Switzer w?? broadcast ?n th? Sky Business Channel ?n 23 September 2010. Visit ??www.rogermontgomery.com forRoger Montgomery?s step-b?-step guide t? valuing a company. ??www.switzer.com.au fr?m Peter Switzer ?? ?n online portal f?r retail investors ?nd t?n? business owners, offering daily news ?nd articles ?n t?n? business ?nd personal finance. Switzer ?l?? provides industry ?

Tagged as: Investing, Sell, Should, Stock, Stocks

Source: http://bondtrades.co/stock-investing-when-should-you-sell-stocks%C2%A0%C2%A0/

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Shakers and Stirrers Miami - Business Networking Mixer ...

VN:F [1.9.10_1130]

Rating: 0.0/5 (0 votes cast)

Tuesday, July 26, 6-8pm ? Novecento, 1414 Brickell Avenue, Miami

Networking For Professionals presents Shakers and Stirrers Miami ? Business Networking Mixer.
* Make quality business connections and mingle with top professionals.
* Enjoy complimentary light nibbles and 2-for-1 drink specials. Cash bar.
* Sign up online and the next day we?ll email you the list of confirmed attendees to help you follow up with your new contacts.
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Source: http://www.soflanights.com/2011/07/25/shakers-and-stirrers-miami-business-networking-mixer-2/

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Nutrition Ideas: Vitamin K : Ideas For Women Health and Fitness Blog

Although vitamin K is produced by bacteria in the intestines, the intestines are not that good at absorbing the vitamin. So vitamin K is still needed in the diet. Women should get at least 120 micrograms/day, although some research suggests that much more may be needed for maximum health benefits.

So how do you get vitamin K in your diet? Mostly green leafy vegetables like spinach, chard, cabbage, kale, cauliflower, broccoli, parsley and brussels sprouts. Yes, those same foods that we are told over and over again that we are supposed to eat more of.

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Source: http://blogs.ideasforwomen.com/blogs/health/2011/07/25/vitamin-k/

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Travel Insurance is Getting Cheaper! | The Vietnam tours

Jul 11
22

Heading abroad for business or for fun? Then consider purchasing the travel insurance to safeguard yourself and your possession through out your travel. Be pragmatic!

No one knows what future holds and getting insured always helps to get out of the mess of the negative events that might incur during the trip. If you have children you should take an extra look at insurance for your trip. Children may get sick, break bones, etc. and you will want to have extra protection. If you want to have peace of mind while you travel, you should definitely look into insuring your trip.

You will find immense choice on travel insurance nowadays over the Internet. The best policy should cover you for the emergency medical evacuation which is the foremost concern while you are traveling as health care is an expensive affair in every country nowadays. Secondly, it should cover you for the lost or stolen baggage and personal possessions such as laptops, credit cards, cash passport etc. It should also cover you for the travel interruption and cancellation that might occur due to various reasons. And last but not the least it should also cover you for the sports trip that are hazardous in nature such as ski, snowboarding, sky diving or scuba diving.

There are many insurance agencies offering various travel insurance policies. You can get an online quote by logging onto any of the various Meta search engines that offer travel services. Mostly the travel insurance is categorized as single trip travel insurance or multi trip travel insurance. Single trip travel insurance is cheap and is good for travelers who travel very less or may be once a year. Multi trip travel insurance is bought on annual basis and is good for business travelers and for travelers who travel frequently. Both travel insurance schemes have the same basic coverage. Only difference is that single trip travel insurance covers for the specific trip and specific period of time; on the other hand multi trip travel insurance covers for multi trips through out the year from the date of purchase. If you are taking a backpack trip to Far East then you can enquire about the backpackers travel insurance.

cheap travel insurance is available for the travelers traveling this season. As many of the insurance agencies are trying to get travelers insured this competition has led to heavy slash down on the cost of the policy. But before purchasing any policy make sure that you have read the policy thoroughly before you sign. Every policy has different exclusions and limitations and you need to be aware of them. If any of the exclusions concern you, you may want to look for another insurance provider or policy. Don?t rush to buy the policy! Take your own time and purchase the policy that suit your travel plan and gives you maximum coverage for you and your family.

Tags: Cheaper, Getting, Insurance, Travel

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Source: http://thevietnamtours.com/2011/07/travel-insurance-is-getting-cheaper/

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JENNIFER LOVE HEWITT GUEST STARS IN AN ALL-NEW ?HOT IN CLEVELAND,? JULY 27 AT 10PM

TUNE IN TO TV LAND FOR A NEW EPISODE OF?HOT IN CLEVELAND? WEDNESDAY, JULY 27 AT 10:00 PM ET/PT ?THE EMMY SHOW? Victoria?s daughter, Emmy (Jennifer Love Hewitt), visits and Victoria enlists Elka and her fake Irish accent to convince Emmy not to publish a tell-all book about her childhood. Meanwhile, Melanie and Joy meet [...]

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"Storage Wars" most popular series in A&E history (Reuters)

NEW YORK (TheWrap) ? "Storage Wars," a reality show about the good men and women who speculate on loot acquired when California storage lockers go into rental default, scored the highest ratings for an episode of a series in A&E history on Wednesday.

And, yes, that includes "Hoarders."

The network aired the first two episodes of the program's second season back to back, and the second half hour pulled down 5.1 million total viewers, including 2.9 million in the key 18-49 viewer group. The 10 p.m. season premiere of "Storage Wars" drew in 4.5 million total viewers.

The show pits teams of "auction hunters" against each other to see who can turn the biggest profit from the defaulted loot they purchase at various facilities around California.

In that state, lockers go into default when storage renters fail to pay for three consecutive months, and the items in the locker are sold at auction as a single lot.

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/nm/20110722/tv_nm/us_storagewars

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How To Keep Your Focus In The Restaurant Business | Atworkcom.com

The food service industry caters to a common need of humans ? to be nourished. Nonetheless, the best way food appeals to people is not at all universal. Mankind is a various group and there isn?t one particular operation of meals service that could satisfy this diversity.

That is one reality that aspirants within the restaurant business find issue to accept. Many hopefuls assume they will catch everyone, however such efforts find yourself in failure. They neglect to consider that making an attempt to cater to everyone outcomes into not having the ability to cater to anyone at all.

It is best to simply concentrate on a small a part of the market, say ten percent or so, this manner, you?ll be able to provide the best service for that a part of your choice. This is done by doing a market analysis ? the study of the potential goal market. Restaurant startup prices can?t be neglected! Get $200,000 US Authorities Grants for brand spanking new businesses. Declare your FREE $seventy nine Gov Grant e-book!

The senior market is composed of people who are sixty five years or older. Seniors typically dwell on mounted incomes, from their pension or sustenance by relations, and thus have a fairly inflexible spending power. Most seniors usually go to household-oriented consuming places reminiscent of lunch buffets as a result of they offer good meals and services at reasonably priced prizes. Less active seniors often want smaller parts as they could have smaller appetites.

When focusing on seniors, it is best to make them particular by offering senior promotions, or lowered rates. You can too market your restaurant as senior-friendly by emphasizing security features resembling ramps and handlebars.

The late adult market consists of individuals aged 50 to 64. They?re normally those who are experiencing the empty nest syndrome, where grownup youngsters have left the home. This market normally has essentially the most steady financial status as they may very well be in essentially the most superior phases in their careers. At this point, price often does not matter. That is the age when individuals begin trying to actually take pleasure in life and its pleasures. So the principle concern is sweet food and service. When focusing on this market, it?s good to current your restaurant with magnificence and sophistication. It could be sensible to invest more on atmosphere and class.

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Source: http://atworkcom.com/how-to-keep-your-focus-in-the-restaurant-business/

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Is It Possible To Apply ?Pet Assisted Therapy? For The Sake Of ...

Is It Possible To Apply ?Pet Assisted Therapy? For The Sake Of Tinnitus, Vertigo, Dizziness And Meniere?s Disease Sufferers?

Wednesday, July 20th, 2011 | CAUSES OF ANXIETY ATTACKS News

Many scientists dream of developing a standard medication that will cure all Tinnitus, Vertigo, Dizziness and Meniere?s Disease sufferers. This goal was not achieved yet. In the meantime there are two ways to help the patients: a Palliative treatment (a treatment that helps to relieve the symptoms), and Curative treatment for some types of these medical conditions, such as infection, benign tumors or Metabolic Abnormalities (Dr. Z. Shemesh from the Hadassah Hospital approach).

Hypnotherapy, meditation, biofeedback and hydrotherapy are known therapies that help the sufferers to relax, but are not curative. Pet assisted therapy may be included in the therapies that induce relaxation, and even more then that.

Out of the long list of pets, dogs and cats are far more popular among those who wish to raise their pet at home. Horses are preferred by people who like open spaces for their therapy. I gave a higher priority to dogs because of their popularity and variable dog breeds and types that are available today.

Pets can be classified to trained and untrained animals. The trained animals study how to be calm, gentle and well mannered, especially around rambunctious children. The untrained pets should be basically calm with gentle nature and have a people-oriented personality. They must love attention and petting and not be shy. In addition, the trained and untrained animals need basic obedience training and should be conditioned to sudden noises. These pets are going to have a more spontaneous adaptation to their owner. They provide an invaluable service to those who are lonely, abandoned, or ill; indeed, anyone who needs the miraculous healing that can arise from a hug and a gentle touch.

When the owner of the pet is sick, many of the pets have the intuition to do the right thing.

Pets truly have the power to heal their owners, especially the elderly. The most serious disease for older people is not cancer or heart disease, but loneliness.

The decision of choosing the right animal for a patient is hard. There is no logic, for instance, in taking a 75 year old man who never had experience of riding horses, and put him on the back of a horse. It is risky, and even anti therapeutic for such a patient. Even if you offer him a good tempered horse. The pet assisted therapist should be professional.

Important component of the clinical picture in the sufferers of Tinnitus, Vertigo, Dizziness and Meniere?s Disease is their anxiety, stress and distress. Various therapies may include relaxation, but Pet Assisted Therapy may contribute much more then that.

Dogs:

The dog is considered the best friend of man. It is a well known slogan. Dogs notably have a calming effect on humans. They accept individuals as they are and help them to cope with the emotional issues that are associated with anxiety. They use their sound and nonverbal communication with humans in order to establish friendly relations. They also offer physical contact with man and help to divert a person?s attention from their pressing daily problems.?

Dogs rely on their owners for feeding, walking, attention and love. It may help sufferers from various medical conditions such as chronic pain, Fibromyalgia, chronic fatigue syndrome, patients who need neurological rehabilitation, post MI patients, post surgical condition, especially orthopedic, and recovery from depression. Relief of anxiety and depression.

Small dogs are good because they can be lifted easily and fit even on the smallest laps.

A large dog makes a good companion for someone in a wheelchair, sitting patiently and allowing the occupant to stroke his fur. Dogs have high intelligence for emotions and genuinely want to provide companionship and comfort. When needed, they are both intuitive and compassionate. They love almost everyone without any degree of rejection. You can not refuse to play with this friendly pet when he comes to you.

I looked for scientific trials with ?Pet Therapy? for the sake of sufferers from Tinnitus, Vertigo, Dizziness or Meniere?s Disease, but the only ?PET? that I found in the search engine was: Positron Emission Tomography.

Cats

Cats are good. They also can be lifted easily and fit even on the smallest laps.

They provide an invaluable service to those who are lonely, abandoned, or ill. Indeed, anyone who needs the miraculous healing that can arise from a hug and a gentle touch can have a cat.

Children, especially those who are abused or neglected, are able to communicate with animals. A pet offers a safe place for a child with emotional problems. They give unconditional love, providing a security blanket.

A cat (and some other animals) can be the bond that glues a family together when upheaval, such as moving, death or divorce, occurs. Often, an animal can reach a child beyond an adult?s touch.

Horses

Therapeutic Horseback Riding is a form of physical therapy for people who have a range of disabilities including physical, emotional, cognitive, and social difficulties.

Because the gait of a horse when walking is a gentle, repetitive movement, it moves the rider?s body in way that is very similar to the human gait; physically disabled riders often achieve greater flexibility, muscle strength, and balance. This type of therapy can improve balance, posture, mobility and reactive time.

I chose to present this kind of therapy because of the availability of farms with trained horses, and the accumulation of experience in this therapeutic approach. No offense to all the other good riding animals such as donkeys, camels or elephants.

Therapeutic Horseback Riding can benefit people with a wide range of individual challenges and disabilities, including:

Orthopedic Disorders: Amputation or Spinal Cord Injury.

Neurological Disorders: Brain Injury, Seizure Disorders, Cerebral Palsy, Parkinson?s Disease Multiple Sclerosis, Muscular Dystrophy, Spina Bifida, Stroke patients, isual and Hearing Impairment, Speech Impairments.

Emotional Disordres: Post Traumatic Stress Disorder, Extended Grief, Anxiety attacks and Phobias.

Others:?Cardiovascular disabilities

The Therapeutic Horseback Riding allows participants to build social skills and self- confidence through interaction with the horse, other riders, and the teachers in the farm. The Riders enjoys the benefits of community integration while physically gaining strength, confidence, and communication abilities. The key words are probably ?the psychological energy that they gain?.?

It is important to remember that horseback riding may pose a hazard for patients suffering from vertigo or dizziness for as long as they are in the active phase of their disease. Recovering patients, on the other hand, may benefit from horseback riding by regaining and increasing the confidence in their balance and stance following the trauma and fear of falling.

This article is not offering the Pet Assisted Therapy as the only means of managing Tinnitus, Vertigo, Dizziness and Meniere?s Disease. It is important to do every effort to find a curative medical treatment.?

The Pet Assisted Therapy should be considered as a complementary therapy, based on the wishes of the sufferer and his intuition regarding this approach. Prolonged symptoms May have behavioral effect after the disappearance of the basic medical condition, and the sufferer of Tinnitus, Vertigo, Dizziness and Meniere?s Disease should undergo Rehabilitation in addition to any other treatment.??

I would be happy to receive responses of sufferers who tried to imagine this kind of therapy for themselves or have a real experience with pets.

?

?

Incoming search terms:

Tags: Apply, Assisted, Disease, Dizziness, Meniere's, Possible, Sake, Sufferers, Therapy, Tinnitus, Vertigo ?

Source: http://causes-of-anxiety-attacks.com/causes-of-anxiety-attacks-news/is-it-possible-to-apply-pet-assisted-therapy-for-the-sake-of-tinnitus-vertigo-dizziness-and-menieres-disease-sufferers.html

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Stop Migraines and Headaches Fast | Natural Holistic Health Blog

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Do you suffer from migraines? Maybe you have a headache right now? If so, then today?s video can help you stop the pain and get your day back on track within the next 10 minutes without popping another dangerous pain pill . (By the way, did you know that acetaminophen and NSAIDs like ibuprofen can actually cause headaches as side effects ?) After watching this video, any time you feel a headache or migraine coming on, you can simply use this acupressure technique on yourself for natural headache pain and migraine relief. Oh, and if you?re skeptical about whether it really works, all you have to do is try it. Dr. Wiley shows you exactly what to do so you can find out how effective this acupressure technique for relieving headaches and migraines is for yourself. Most Popular: The 10 Cent Pain Relief Miracle

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Source: http://www.natural-holistic-health.com/stop-migraines-and-headaches-fast/

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The Diverse Forms Of Coffee Plus Approaches In Which They Are ...

[unable to retrieve full-text content]July 20, 2011 | Author: michellebarnesy1 | Posted in Food and Drink. For many people worldwide, coffee is definitely an absolute must for assisting them get through the day. From rising up each morning to getting through an afternoon ...

Source: http://articlerealty.com/the-diverse-forms-of-coffee-plus-approaches-in-which-they-are-manufactured/

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European debt fears hit markets after stress tests (AP)

LONDON ? Worries that Europe's debt crisis will spread to Italy and Spain spooked investors Monday after stress tests into the continent's banks failed to ease tensions ahead of an emergency meeting of EU leaders.

In afternoon trading, most of Europe's main stock markets were sharply lower, with bank shares hit particularly hard, while the euro fell 0.6 percent to $1.4041.

In a sign that contagion fears have not been allayed by last week's European bank stress test results, yields on Italian and Spanish bonds ratcheted up, in contrast to most other large economies.

The rate on ten-year Italian bonds spiked up 0.25 percentage point to 5.92 percent, having earlier jumped above 6 percent, even though the Parliament backed an austerity package designed to get the public finances back on an even keel. The Spanish rate rose 0.15 percentage point to 6.23 percent.

Last Friday's stress tests have so far been met with a degree of skepticism by investors, partly because they did not take into account any sovereign default.

The banks were required to reveal their exposure to shaky government debt but analysts said it would have been better if the European Banking Authority had simulated the impact of a default in its test scenarios to better judge the system's strength.

"On the face of it, the tests highlight that the European banking sector is in better health than expected, although crucially investor concern will remain over the credibility of the tests given that the tests did not include an assessment of the impact of sovereign defaults," said Lee Hardman, an analyst at the Bank of Tokyo-Mitsubishi UFJ.

Only eight of the 90 banks tested failed and were pushed to raise euro2.5 billion ($3.5 billion); five were from Spain, two were Greek and one was Austrian. Sixteen barely passed, however, and may face pressure to strengthen their finances by raising new capital ? the idea behind the exercise.

Shoring up the banks is a key part of Europe's battle against its government debt crisis, since a default by Greece or another ailing country could inflict losses on banks, requiring government bailouts and choking off credit to the economy.

Greece is expected to be deemed in default by credit rating agencies if banks take losses in a second bailout for the country. On Thursday, EU leaders will hold an emergency meeting to discuss the terms of such a deal.

The stress tests required banks to show they could maintain a financial buffer in a downturn: at least 5 percent of loans, bonds and other investments. Regulators required disclosure of a large amount of data on banks' finances to allow analysts to make their own conclusions on the sector's health ? since the EU couldn't bring itself to consider the possibility of default.

Royal Bank of Scotland analysts, for instance, said that if all the banks had to account for the fallen value of distressed bonds now on their books, 57 of the 90 tested would have to raise euro91 billion ($130 billion) in capital to meet a tougher 7 percent capital buffer.

Still, German and Spanish officials said they did not see the need for their banks to raise more capital and questioned the assumptions of the tests. Germany had two banks that barely passed and Spain had seven.

Amid the uncertainty, bank shares across Europe took a hammering. Italy's Banco Popolare, which barely passed the test, was down 6.7 percent; France's Credit Agricole fell 3.6 percent, and Germany's Deutsche Bank dropped 3.4 percent. The retreat wasn't just isolated to countries that use the euro ? Britain's Barclays fell 3.7 percent.

The worry in the markets is that this week's meeting will fail to come up with concrete measures to deal with Greece amid growing signs of a split between the European Central Bank and the German government in particular.

German Chancellor Angela Merkel, who will be at the summit, has been pressing for the involvement of the banks in the bailout.

But the ECB's president, Jean-Claude Trichet, insists the central bank would not accept defaulted Greek bonds as collateral, potentially cutting off funding for Greece's banks.

"If a country defaults, we will no longer be able to accept its defaulted government bonds as normal eligible collateral," he said in an interview with Financial Times Deutschland.

Trichet added that governments would then be responsible to provide their own backstop for the Greek financial system if the country is considered to be in default on its debts.

The ECB said Monday that it had made no effort last week to prop up bond markets through its securities purchase program, the 16th straight week it has left the measure idle.

___

McHugh contributed from Frankfurt, Germany.

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/ap/20110718/ap_on_bi_ge/eu_europe_financial_crisis

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Feds, states in dispute over court interpreters (AP)

HARTFORD, Conn. ? Annie Ling understood little of what was being said in a Georgia courtroom where she was put on trial, convicted by a jury and sentenced to 10 years in prison for abusing her two young children.

The Malaysia native speaks Mandarin but little English, and there was no interpreter for her during the 2008 proceedings in Spalding County, an hour south of Atlanta. Just after she was sentenced, she thought she was going home and asked probation officials when she had to return to their office. She had no idea she was about to be hauled off to jail.

"She just basically was in the dark," said J. Scott Key, a lawyer who represented Ling in her successful appeal to the Georgia Supreme Court, which ruled last November that she was entitled to a new trial because she had no interpreter. Charges against Ling are pending, but she has been freed on bail after serving nearly three years behind bars.

Cases like Ling's, which continue to play out across the country, have prompted the U.S. Justice Department to warn officials in all states that they're violating the Civil Rights Act of 1964 if they're not providing interpreters, free of charge, in all court-related proceedings and programs. But top state court officials are disputing the department's interpretation of civil rights laws, saying it goes too far and would require a large expansion of interpreter services that cash-strapped states can't afford.

Assistant U.S. Attorney General Thomas Perez, head of the Justice Department's Civil Rights Division, says the agency is "simply clarifying obligations that have existed for over 45 years."

"We have investigations in a number of states based on complaints we have received based on the ... inability to access the court systems," Perez told The Associated Press. "If you can't communicate in the courtroom, you don't have access to justice."

In late June, the Justice Department reached an agreement with Colorado officials to resolve complaints that state courts were not providing interpreters in all cases, in violation of Title VI of the Civil Rights Act, which bars discrimination based on national origin. Colorado's chief justice has issued a directive requiring free interpreters for all court proceedings. Justice officials reached a similar agreement with Maine's Judicial Branch in 2008, and they are now investigating a complaint filed in May by immigrant advocates over North Carolina's lack of interpreter services in civil cases.

In March, an appellate court in Florida threw out a 22-year prison sentence imposed in a probation violation case against a Hispanic man convicted of attempted sexual assault and kidnapping and ordered the judge to re-sentence the defendant. The court ruled that the judge improperly went ahead with the sentencing hearing without an interpreter over the objections of the defense lawyer.

In January, a Texas appellate court in a split decision upheld a 20-day jail sentence for a Korean woman convicted of prostitution, despite her not having an interpreter for one of the days of her trial.

And in November, officials of New York City's transit court decided to offer interpreters over the telephone, after civil liberties advocates alleged the court was violating defendants' due process rights by not providing translators.

Perez launched an effort last year to get states to fully comply with interpreter requirements. In a letter to top judiciary officials in all the states, he wrote that civil rights laws require state courts receiving federal funding to provide interpreters free of charge to people with limited English proficiency regardless of their ability to pay. He also told state officials that they have to provide free interpreters not only in criminal cases, but in all judicial proceedings and programs, ranging from civil cases to probation and parole offices to anger management classes.

State judicial officials don't dispute the right of people to interpreters in the courtroom, but they take issue with claims that states must provide free interpreters in civil court cases and non-courtroom settings. They also say the Justice Department's official 2002 guidance on adhering to Title VI requires states only to "take reasonable steps" to ensure meaningful access to judicial programs by people with limited English proficiency.

The leaders of two groups that represent top state judiciary officials nationwide ? the Conference of Chief Justices and the Conference of State Court Administrators ? expressed their concerns to Attorney General Eric Holder earlier this month about Perez's letter. They also told the president of the American Bar Association that they oppose the ABA's proposed court interpreter standards, which mirror the Justice Department requirements and will be presented for approval at the group's annual meeting in Toronto next month.

The leaders of the groups, Texas Supreme Court Chief Justice Wallace B. Jefferson and Lilia Judson, executive director of Indiana's Division of State Court Administration, say eliminating language barriers has been a high priority for state judicial officials for years. They say states have been making good progress in improving access to the courts, including creating credentialing programs for interpreters.

"At the very time the standards propose absolute access to interpreters ? both in and out of court ? state courts are furloughing staff, shuttering courthouses, and sometimes requiring litigants to bring their own paper for copies, Jefferson and Judson wrote to ABA president Stephen Zack. "Absent significant increases in resources, the state courts cannot meet the more far-reaching standards without cannibalizing other critical programs in such areas as domestic violence, juvenile justice, information technology, and problem-solving courts, to name a few."

Zack said Jefferson's and Judson's concerns are being considered and he expects changes to be made to the proposed standards.

Tim Schultz, a spokesman for U.S. English Inc., which supports laws that make English the official language, said people with limited English proficiency should have interpreters in court, but the government shouldn't have to pay for interpreters in all cases. He said the U.S. Constitution doesn't guarantee people the right to receive government services in their native language.

"We think the Justice Department is trying to essentially bully states into doing what they want and it's certainly not legally required," Schultz said.

The Justice Department has the authority to withhold federal funds from courts if they don't comply with the Civil Rights Act, but officials say that's a last resort that hasn't yet been used. Perez says budget problems don't exempt states from civil rights requirements. Federal courts follow a different law on court interpreters.

In a 2009 study of 35 states, the Brennan Center for Justice at the New York University School of Law found that 80 percent didn't guarantee free interpreter services, nearly half didn't require interpreters in all civil cases and just over a third didn't require the use of trained, credentialed interpreters.

"Across the country, people are stuck in a Kafkaesque nightmare: they must go to court to protect their children, homes or safety, but they can neither communicate nor understand what is happening," wrote the study's author, Laura Abel, deputy director of the Brennan Center's justice program.

Abel told the AP that courts have been placed in a difficult position because legislatures have been cutting their budgets and there's no money to expand interpreter programs.

"But I would ask, what were you doing in the years before the budget constraints?" Abel said. "It's really chilling when you see courts which are charged with enforcing civil rights statutes trying to find loopholes to get out of their obligations."

Zack, the ABA's first Hispanic president, said underfunding is the major issue facing judicial branches today.

"The legislatures need to understand that judicial is not another road or library. It's fundamental to our liberty," he said.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20110717/ap_on_re_us/us_court_interpreters

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Behind foreclosure corner-cutting, troves of missing documents (Reuters)

NEW YORK (Reuters) ? Why have sketchy mortgage procedures been so difficult to root out? Some lawyers blame misguided efforts to cut costs. Most foreclosures are uncontested, they note. And so servicers save money by avoiding costly searches for missing original documents or hiring additional staff to deal with the surge in foreclosures.

There are signs, however, that servicers resort to doubtful documents because they have no choice if they are determined to foreclose: To a great extent, originals simply don't exist.

It's one of the overlooked legacies of the housing boom.

In the rush to make new home loans and sell them off as fast as possible to investors on Wall Street, the original lenders --big banks as well as now defunct makers of subprime loans --destroyed original documents, or never turned them over as required to the ownership pools that scooped them up. From 2004 through the end of the housing boom in 2006, more than half of all new mortgages were securitized and sold to such pools, known as mortgage-securitization trusts, according to the Securities Industry and Financial Markets Association.

So, banks and intermediaries in many cases never turned over the two essential documents underpinning a home loan -- promissory notes and mortgages -- that would convey ownership to the investor trusts. That means many pension funds, insurance companies and hedge funds that invested in the trusts never got formal title to mortgages they had paid for.

Sheila Bair, who recently stepped down as Federal Deposit Insurance Corp. chairman, in Congressional testimony has called for a wide-ranging audit of the problem. But other regulators so far haven't backed the idea, possibly fearing that if the extent of the problem became known the housing market might worsen.

One example: Public records in foreclosure cases indicate that New Century Mortgage, the nation's second-largest subprime lender until it collapsed in 2007, almost never endorsed promissory notes or assigned mortgages to trusts that bought its mortgages.

A Reuters sampling of 50 foreclosure cases filed in Duval County, Florida, involving New Century mortgages found that none of the promissory notes filed in the cases had any endorsements at all on them. Records show that similar large-scale lapses occurred with other big lenders.

The result is that trusts may be out many billions of dollars, says Matthew Weidner, a lawyer who specializes in mortgage litigation. If proper procedures are followed now, foreclosures could slow to a trickle. And a cloud would hang over title to millions of homes, potentially further depressing the housing market.

Sheila Bair, who recently stepped down as Federal Deposit Insurance Corp. chairman, in Congressional testimony has called for a wide-ranging audit of the problem. But other regulators so far haven't backed the idea, possibly fearing the consequences if the extent of the problem became known.

(Editing by Michael Williams)

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/nm/20110719/us_nm/us_foreclosures_banks_missing

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Feds get a dose of kitchen-table economics (AP)

WASHINGTON ? The debt crisis has brought the government to the "kitchen table" to do something that hard-pressed families do routinely, which is tear their hair out over how to pay the bills.

Pawn the family jewelry? Emptying gold reserves at Fort Knox and other repositories could raise a very handy $400 billion.

Sell the property that has been in the family for generations? Yosemite National Park would fetch a pretty penny.

At least so far, such last-gasp ideas are not in serious play at Washington's kitchen table. But as the Aug. 2 deadline approaches for raising the country's borrowing limit, you can bet someone in the government is thinking about them. Economists are.

"The consequences of America defaulting on its debt are so unthinkable, catastrophic and costly that we should consider anything," said Sung Won Sohn, an economist at the Martin Smith College of Business at California State University. "Sell gold, sell oil from the Strategic Petroleum Reserve, do ANYTHING to avoid a default."

In short, the nation is like a family that's overextended and close to wits' end.

To carry on without going deeper in debt, this family would have to cut its monthly bills by 70 percent or get a huge pay increase at work, enough to raise their income by nearly two-thirds. Now.

Then they could scrape by without borrowing more, at least for a little while.

So calculates the nonpartisan Congressional Research Service in describing the only way the government could move ahead without taking on more debt. An end to discretionary spending, a 70 percent cut in mandatory spending or an enormous boost in tax revenue would suffice, but only for this year, it says. Then it gets even worse.

Nothing like that will happen.

The government is almost certain to raise its debt limit and carry on borrowing something like 40 cents out of every dollar it spends.

The question is whether it will do so in time to avoid late interest payments and economic turmoil, and what size spending cuts, tax increases or both will become part of the deal.

Nothing is stopping Congress from voting to raise the debt limit today. The holdup is over how to reduce future budget shortfalls, which both parties say must be done.

Republicans want a huge cut in government spending. President Barack Obama wants smaller, but still substantial cuts, plus more money coming in from taxes, which Republicans oppose.

To get around this, an idea has picked up steam to let the head of the household increase the debt limit on his own, under certain conditions, and take the heat off the fractious family to agree on all the spending cuts and revenue increases now.

The government bought some time in the middle of May, when it stopped making payments to federal employee retirement funds, the equivalent of halting contributions to your 401(k). The government will make up the lost retirement investments later, plus interest, keeping the funds whole.

But there are no such bookkeeping maneuvers left, Treasury Secretary Timothy Geithner says, "no way to give Congress more time."

Some big payments are coming due, including $23 billion for Social Security checks on Aug. 2, $87 billion the next day to redeem maturing Treasury securities and more than $30 billion in interest payments on existing Treasury securities on Aug. 15.

Those payouts are in addition to roughly $5 billion to $10 billion the government pays daily to defense contractors, Medicare providers, federal employees and others, all part of the business of running the government.

With red flags flying from credit-rating agencies, Federal Reserve Chairman Ben Bernanke and the corporate sector, the pressure is intensifying for Washington to break the impasse not just by the deadline but before. That would discourage investors from fleeing from the market in a predefault panic and preserve the nation's top-of-the-line credit rating.

In 1979, when Congress dragged its feet in raising the debt limit and the government ran into technical glitches processing its debt, the U.S. was late making interest payments on about $120 million of bills.

It amounted to a piddling sum compared with what may be coming, causing only a brief delay and no concern by creditors that they wouldn't get paid. Yet the mini-default permanently raised interest rates by more than half a percentage point, says the Committee for a Responsible Federal Budget.

That's like making your mortgage payments on time for years, seeing one monthly check get hung up in the mail for a few days, and getting hit in response with a higher rate for the life of the loan.

Some Republicans have argued that the government can do the same thing a family does when faced with more bills than it can pay in a single month. It can set priorities and make only the critical payments, such as the utility bills to keep the lights on and the water flowing, and let other payments wait. In this scenario, interest payments are the most critical.

Obama disputes that approach.

"A family, if they get over-extended and their credit card is too high, they don't just stop paying their bills," he said. "What they do is, they say, how do we start cutting our monthly costs?

"We don't stop sending our kids to college, we don't stop fixing the boiler or the roof that's leaking. We do things in a sensible, responsible way."

Still, setting aside some bills has not been ruled out.

Obama held out the possibility that the government won't be able to send retirees their Social Security checks in time. Republicans called such remarks a scare tactic to get them to cave to his proposals.

But should those checks get delayed, it's a sure bet both parties would be scared.

Messing with Social Security is not just like a family disrespecting its elders. It's like stiffing your bookie. In political terms, it can get you broken legs.

In some important ways, the federal budget is not recognizable to a real family. It's from another planet, esoteric, full of accounting tricks, funny money, and obligations that citizens don't have.

Families don't have the option of just voting to raise their credit card limit, for one thing.

But that, in essence, is what the government needs to do, and fast, to avoid defaulting on its debt payments, sending markets into a probable tailspin and making all sorts of dire predictions come true.

Even in Washington, math is math.

Source: http://us.rd.yahoo.com/dailynews/rss/politics/*http%3A//news.yahoo.com/s/ap/20110717/ap_on_bi_ge/us_debt_showdown_kitchen_table

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