Crown’s Law by Wolf Wootan - Book Review


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Crown’s Law: A Sam Crown Mystery/Thriller
by Wolf Wootan

iUniverse (2006)
ISBN 9780595403611
Reviewed by William E. Cooper for Reader Views (11/06)

Synopsis excerpt: Private Eye Sam Crown only partially fits the definition of the classical PI. In Volume 25, No. 1 of the Reflections in a Private Eye, the official publication of the Private Eye Writers of America (PWA), SJ Rozan, a former president of PWA, wrote an article that attempts to define the mythical meaning of the PI. She defines the default PI as the straight white male, born to power, who gives up that privilege as too corrupting, and remains in the allegorical underworld rescuing others. (Sam Crown has a very rich mother, and though he stays away from her high society life, he does not give up his sizable trust fund; hence he is not poor, a requirement of the default PI.)

Review: Historically, I have not been a big reader of mystery novels. As a career police officer I’ve often found the portrayal of law enforcement to be, at best, inaccurate and unreliable. As a result I haven’t invested much in these types of books. Having read Mr. Wootan’s book, I’ve changed my mind. Not only is this book far more realistic, it’s an outstanding read. It is a genuine page turner, and one of the better books I’ve read in a long time. The book is so well written, the reader can place himself/herself in the shoes of the characters. It mixes suspense with emotion in such a manner that the reader’s attention is never lost.

Mr. Wootan takes the characters and develops them and their relationships extremely well and in a most believable sense. The plot of “Crown’s Law” is also well developed and unusual. The combination of these elements results in an outstanding book. If Mr. Wootan produces additional Sam Crown mysteries, he can count me as a reader. I’ve been sold on your work sir. Well done!

http://www.readerviews.com/

Basic Profile Information That All Dating Sites Will Ask For (Part 2)


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The following is a list of information that a reliable Internet dating site includes in their series of questionnaires. This list pertains more to the social background and preferences of the members.

Location: The site wills either ask for this information in their list of questionnaires or they can simply obtain the answer from checking your zip code (although the name of the city may not be accurate). You may not want to give out your actual location for security purposes (especially if you live in a small town.) In this case, you can change the zip code after registering. Giving a different zip code is also an option, although it may create a problem when you use your credit card. Other alternatives include getting a P.O. Box or a mailbox etc. address.

Education: This includes high school, college (community or university), and also gives you options of degree names such as M.D., PhD., BA, etc.

Occupation: Some sites are very general about this question. They give a list of choices so you don’t really have much room to explain what you really do. Of course you can always add more information on the essay, if provided.

Income: Most sites show income brackets. One very common and appropriate answer is “I’ll tell you later.”

Drinking Habits: Yes or no, and how often.

Smoking and/or Drug Habits: Yes or no and how often.

Sexual Orientation: Many sites ask about your opinion or how open-minded you may be in regards to gays, lesbians, and bisexuals.

Getting Into More Specific Information

Many reputable Internet dating sites also offer specific information about their members that reveals their personality. Some of the questions below may be important to you and some of them are just interesting facts about the members. If you feel that these questions are crucial to you, you need to choose a site that requires specific answers to them.

Describe Your Ideal Mate: This question often reveals their expectations and preferences.

Opinions About Children: Whether they want kids, and how many. To some people, this question is very crucial and determines whether they want to pursue any kind of relationship with that person. Some people are looking for specifics on children such as their age and whom they live with.

Spending Habits: Most people take this question lightheartedly and very few think that the answer is important.

First Date Expectations: This question often reveals information about the person such as their beliefs about dating and what they look forward to.

Jack Strom has many years of dating and relationship building experience. He researches and endorses the best “how to” dating books available on the internet. To find more articles and information, see http://www.datingfgo.com

Tips For First Time Home Seller In Sarasota Real Estate


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Selling your first home in Sarasota real estate can be a worrying experience. When you finally decide to sell your biggest investment, many sellers are filled with doubt and questions.

When it comes with selling you biggest investment in Sarasota real estate, you certainly need some tips and advices, so read on; this article will give you some tips to have a successful sale.

Certainly you spent so much memory with your home, but now that you are decided to sell it, it is no longer your home but your property.

You have to forget about how much you paid for the property, what matters now is the present value of your property. The present value of your property can be compared with the homes which were sold within 6 months in your neighborhood. At some point, this factor can be hard for the seller, but you have nothing to do about it, there is something that you have no control over with. But, you see, in understanding this reality can help you sell your property in Sarasota real estate successfully.

Now in preparing your property for sale, you have to make sure that that your property is attractive enough to attract buyers. You have to clean up your home before showing it to buyers. Remove all the clutter and unnecessary equipment in order to make it appealing and spacious. Make sure that the property is not empty; you can put furniture that can attract buyers. It is also advisable to look around and repairs the small problems that you can see like leaking faucets and so on. Improve your property as much as possible. You can paint it, if it is already fading. You can also plant fresh flowers. And make sure that your home has a pleasant smell. So clean it up very well.

If ever you have done some improvements with your home, this actually play a huge part in your home’s value. But it doesn’t mean that if you spent this sum of money and it will mean that your home is only worth that amount. Let us say for instance, if homes with marble floors typically sell for $3000 more in your neighborhood, then your home is worth $3000 above comparable homes without marble floors.

As soon as you came up with the decision to sell your home in Sarasota real estate, you have to contact a trustworthy realtor. You can interview several realtors until you come up with the best one for you. You see, it would be stress-free on your part if you will search for the best realtor, someone you can trust and will help you out to sell your home successfully. Make sure that the realtor you are working with can give you exceptional service & communication throughout the transaction.

If you price your home in Sarasota real estate properly, make sure that it is in good showing condition. You also have to make sure that you are working with the best realtor or real estate agent. You can then sell your home in Sarasota real estate at the right price at the right time. So relax and maintain the good condition of your home. And soon you will successfully sell your property.

Article Author Eliza Maledevic from http://www.Jump2top.com, a SEO Company. Visit Sarasota Siesta KeyReal Estate at http://www.srqmls.com

How to Seize Your Opportunity - Biz Motivation Stories Part 1

“When I was a boy,” said General Grant, “my mother one morning found
herself without butter for breakfast, and sent me to borrow some from a
neighbor. Going into the house without knocking, I overheard a letter read
from the son of a neighbor, who was then at West Point, stating that he had
failed in examination and was coming home.”

I got the butter, took it home, and, without waiting for breakfast ran to the
office of the congressman for our district. ‘Mr. Hamer,’ I said, ‘will you appoint me to
West Point?’ ‘No,is there, and has three years to serve.’ ‘But suppose he should
fail, will you send me?’ Mr. Hamer laughed. ‘If he don’t go through, no use for you to
try, Uly.’ ‘Promise me you will give me the chance, Mr. Hamer, anyhow.’
Mr. Hamer promised.

The next day the defeated lad came home, and the
congressman, laughing at my sharpness, gave me the appointment.
“Now,” said Grant, “it was my mother’s being without butter that made me
general and president.” But he was mistaken. It was his own shrewdness to
see the chance, and the promptness to seize it, that urged him upward.
“There is nobody,” says a Roman Cardinal, “whom Fortune does not visit
once in his life; but when she finds he is not ready to receive her, she goes
in at the door, and out through the window.”

Opportunity is coy. The careless, the slow, the unobservant, the lazy fail to
see it, or clutch at it when it has gone. The sharp fellows detect it instantly, and
catch it when on the wing.The utmost which can be said about the matter is, that
circumstances will,and do combine to help men at some periods of their lives, and
combine to thwart them at others. Thus much we freely admit; but there is no
fatality in these combinations, neither any such thing as “luck” or “chance,” as
commonly understood.

They come and go like all other opportunities and occasions in life, and if they are
seized upon and made the most of, the man whom they benefit is fortunate; but if
neglected and allowed pass by unimproved,he is unfortunate.
“Charley,” says Moses H. Grinnell to a clerk born in New York City, “take
my overcoat tip to my house on Fifth Avenue.” Mr. Charley takes the coat,
mutters something about “I’m not an errand boy. I came here to learn
business,” and moves reluctantly. Mr. Grinnell sees it, and at the same time
one of his New England clerks says, “I’ll take it up.” “That is right, do so,”
says Mr. G., and to himself he says, “that boy is smart, he will work,” and
he gives him plenty to do. He gets promoted, gets the confidence of business
men as well as of his employers, and is soon known as a successful man.

The youth who starts out in life determined to make the most of his eyes
and let nothing escape him which he can possibly use for his own
advancement, who keeps his ears open for every sound that can help him
on his way, who keeps his hands open that he may clutch every
opportunity, who is ever on the alert for everything which can help him to
get on in the world, who seizes every experience in life and grinds it up into
paint for his great life’s picture, who keeps his heart open that he may catch
every noble impulse and everything which may inspire him, will be sure to live
a successful life; there are no ifs or ands about it. If he has his health,
nothing can keep him from success.

Roger Baillargeon

Find Out About Other Business Info-Articles on ”How To” Solutions, ”Mind” Your Business (Motivation) Strategies, Resources, Tips, Opportunities that You can Apply to Your Home Business.

I Invite YOU to Visit my Friendly Blog at …
http://stop.to/bizbiz

P.S….Your Comments and Suggestions are Always Welcome and
YOU are Invited to Post them at the Blog!

Psychic Medium - Psychic Medium’s Secrets

A psychic medium is not born a top psychic medium. It is like any talent they develop their psychic abilities through time. Psychic mediums all start off like everyone else who also has dormant psychic abilities.

However certain conditions can dramatically help their psychic mediumship skills Being born to a family of healers and psychics helps program your mind to the fact that it is perfectly normal to become a psychic medium.

Interestingly many people think that reading about psychics and using psychic tools such as tarot cards etc will help them become a psychic medium. The reality is the more they trust their intuition and still their mind the more psychic they will become. However being psychic and becoming a psychic medium are worlds apart.

There is no real big secret, listening to the spirits from the other side is all about raising your vibration by constantly clearing yourself of negative energy. In other words to become a psychic medium you first have to become a healer. Only then can you clear your space and your physical, spiritual, mental and emotional body to the point you will have reliable communication with the spirit world.

Negative energy will come to you in many ways it may be the location you are at, it may be someone you spoken to over the telephone or in person or it may be as simple as your own negative thoughts and fears.

Irrespective of the source of the negative energy you must learn to clear yourself at all times.

There are a number of simple techniques that will help clear you. The less well known ones which have been taught to me through spirit are bathing in water with a few drops of cold pressed organic essential oils, such as Frankincense, Eucalyptus, Myrrh and Lavender.} Another is to add Epsom Salts to your bath water.

There are more advanced channeled techniques however these really have to be taught as they can not be clearly explained in writing.

If you are not familiar with Reiki or a similar healing modality you may well think that all these negative energy clearing techniques are rather far fetched. {These techniques will radically improve your psychic mediumship abilities your well being and will transform your life.| These techniques will dramatically improve your psychic mediumship abilities and your quality of life.

Although your true psychic potential will be influenced to some extent by your genetics and environment, ultimately becoming a psychic medium will be very much determined by what your learn and more importantly adapt in your daily life.

When you stay on top of the clearing and cleansing techniques, only then will you have constant contact with spirit. It is good to learn how to develop your communication skills with spirit, this only enhances your life and draws prosperity and abundance to you.

If you wish to explore your psychic abilities and dramatically improve the quality of your life and your health then you should make the decision to start now.

Accurate psychic medium readings by International psychic Rosemary The Celtic Lady founder of the American Association of Psychics and Healers.

Why Your College Student Should Have A Student Credit Card


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Even with the ready availability of a college student credit card, the majority of students going off to college these days do not have a clue how to handle financial responsibilities. When they needed money for something, they either asked their parents for it or they took it out of their savings from a job they are holding down while going to school. But the sad fact is that most of them do not have the first clue about handling financial or credit responsibilities.

You need to consider getting a college student credit card for your son or daughter when they go off to college or university. If you already have had a child in college, you know what I am talking about - even for as much as you plan, budget, research, and then plan some more, there is always SOMETHING else that comes up that they need money for. There is going to be that additional textbook, that very helpful study guide, those lab fees, parking sticker fees, and the list goes on. You sent your child to college to LEARN, and NOT to be stressed out by the financial obligations that are coming at them from every different direction every day.

Outside of the convenience for you and the much greater peace of mind for your child, there are other advantages to getting them a college student credit card. As they were growing up to this point, chances are great that they did not learn fiscal responsibilities. This is not something that you should beat yourself up about - with the hectic life of the high school student today, with soccer practice, football practice, band practice, various club meetings, an active social life, and of course the academics, there just has not been time in the day to approach that topic.

But at the same time, you want to give you child the best head-start possible when they graduate, especially in this very competitive and unforgiving business world. So why saddle them with learning about financial responsibility when they are stressing out about the job interviews, creating resumes, scanning classified ads, etc. When they are still in college is a great time to get them a college student credit card so they can slowly start to become used to getting regular monthly statements, learning about how little charges add up over the month, learn how interest accumulates if the balance is not paid in full, and how they will get stern yet firm telephone calls or emails from the card issuer when their payment is late. It is all part of the education process.

Establish a reasonable credit limit for them, which might be as low as $300 or $500. Do not allow them to have a huge credit limit until they have proven themselves as being financially responsible, because it is far too easy for them to get themselves into trouble with this aspect of “free money”. They will quickly learn that it is far from free.

The interest rate that they will get with their college student credit card is probably going to be higher than what you would get when applying for a credit card, but the lenders are taking a chance here, so do not blame them. After your child has demonstrated a good payment history for 6 months to a year, they can call the card issuer and ask for a lower interest rate, since once they have established themselves, then they have incredible power to be much choosier about whose card they carry.

Jon is a computer engineer who maintains web sites on a variety of topics based on his knowledge and experience. You can read more about College Student Credit Cards at his web site Student Credit Card Resources

Slow Hope by Anita Swanson - Book Review


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Slow Hope
by Anita Swanson

Ivy House Publishing Company (2006)
ISBN 1571974350
Reviewed by Debra Gaynor for Reader Views (12/06)

Anne’s family showed little affection. They were beyond stern and beyond strict. Their goal was to control her life completely. Anne had no freedom. She had a love for music and they tried to quash that. While in nursing school Anne met Bob, a married, church music director. He was 17 years her senior. He was putting together a choir to travel through Europe and asked her to go with them. He began to show her more and more attention, none of which she encouraged.

When Bob declared his love for Anne, she was ecstatic, but he was still married. Once the divorce was final, things went from bad to worse. Anne’s parents were once again making demands. Four years later Bob and Anne were married. “It was not a happy event.” Going to the dog races would not be most couples’ first choice of honeymoon activities. It doesn’t take much to realize that Bob has problems.

Anita Swanson is very courageous to share her story with her readers. The story is heart wrenching. Her childhood was one of abuse and that abuse did not end when she became an adult. She married a man much older than her but I’m not sure why. She was lonely and perhaps felt it was her only option. “Slow Hope” is filled with pain, deeply-hidden anger and anguish. In her own words, “Life goes on.”

Ms Swanson is a talented writer. Her story is well told and flows smoothly with much emotion. The cover hints at the story inside. From the moment I began reading “Slow Hope” I was hooked. It was late at night when I finished reading but I’d been compelled to read the whole book in one setting. I highly recommend this book to those who enjoy reading a book about courage.

http://www.readerviews.com/

Insurgent Psychology - Honour, Dignity, Shame And Humiliation - The Roots Of An Endless War


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Working out the perspectives for war takes a certain type of empathy. It should not be confused with sympathy or even, in this case, as necessitating a positive connotation. Every general should be empathetic to his enemy counterpart. If he is to stand a good chance of anticipating his moves and thereby forearming himself with the knowledge to defeat him, he must understand, get a feel for, and even put himself in the practical and psychological shoes of his opponent. This was sorely lacking both in the Administration and the Pentagon.

The Administration’s want of cultural and humanitarian empathy meant Iraq was lost on the psychological level before a boot could hit the ground or a shot could be fired. The simplistic attitude that US occupation would be unconditionally welcomed and that there would be a relatively smooth transition to a model Western-style democracy, which would act as a bulwark against fundamentalism and a beacon to transform other regimes in the region was pure fantasy. If anything testifies just how divorced from reality the Bush Administration is, it was this. Indeed it was something, which was so stubbornly entrenched that, they continued to believe in their own propaganda when the entire country began burning down around them. Their attitude was a gross misconception, derived from the inflated egocentric, all-American, Imperialist mindset that consumed the Administration and which doomed it to calamity for the start. It was very much reminiscent of the arrogant way in which Central and Latin America has been regarded as the United States’ backyard, and now euphemistically re-named our “neighbourhood” by Bush.

The Administration and the Army made no initial effort to understand the psychology of the Arabic and Muslim mind and the ways in which its invasion would be perceived and eventually repulsed. The problem with the egocentric and ethnocentric mind is that it, at best, perceives all others as thinking and feeling in ways which it does, of having the same norms and values as the West and believing itself to be perceived as some marvellous example to be modelled. At worst, the West still views other cultures as inferior and in need of civilizing, by force, if necessary. Not for one moment did the Bush Administration consider that Arabs and Muslims have their own quite different emphasis on mores and values, which often come into sharp conflict with those of the West and which they are deeply devoted to defending.

Consequently, with the utmost arrogance, US troops booted down the door of Arab values and brought the worst of all possible insults upon them by dishonouring and humiliating them. In a region and culture, both Arabic and Muslim, where one’s dignity and honour are to be defended at all cost, including one’s life, the US shamed the Iraqi nation, the Arab nation and the Muslim world. This, in a culture where shame is the worst possible of destinies - unlike the guilt based societies of the West.

The psychological and political difference is important and not semantic. Guilt focuses on inappropriate, bad behaviour aimed at creating a social conscience. Shame concerns self worth and profoundly affects a sense of value towards one’s worthiness to exist. Guilt can lead to reforms, while shame can lead to more harmful consequences, especially in terms of violence towards oneself or those who create it.

If shame is a stronger component of a culture than guilt then the motivation to avoid guilt leading to shame is far greater. The fight for one’s honour is therefore much more ferocious than in a culture where guilt is more ready accepted and then paid for and forgiven. Indeed, it rules out compromise, negotiation or trading. It is above legal statutes. It is a matter of life and death.

If a shame-based culture is attacked and threatened with humiliation and dishonour, the likely reaction will be fiercer than guilt based cultures. This is the case in the Middle East and among Arab and Muslim peoples, among others. And what comes with it is a tendency to need to regain one’s honour through retribution and retaliatory shaming of the persecutor. This extends to become the blood feud common to many Eastern rather than Western societies and is very dangerous once extended along national and religious dimensions.

It is a reason why the humiliation and shaming of the Palestinians has made it the cause celèbre of the Arab and Muslim world and also explains the ferocity of the eventual resistance to the US occupation in Iraq and its condemnation of by Arabs and Muslims worldwide. The occupation is felt and empathized as a humiliating, shameful, dishonour perpetrated by the infidel, United States upon Arab and Muslim brothers and sisters.

For Arabs and Muslims their honour and the shaming of themselves and their brethren is something, which cannot go unavenged. One must be prepared to die for it. It is linked to the culture of retribution, where a hurt or death brought upon another of one’s family, tribe or clan must be avenged and this now extends to one’s sect, nation, ethnicity and common religion.

The Bush administration, thus, blindly and arrogantly entered a war, which would inevitably result in a ceaseless Arab fight to regain their lost honour, dignity, pride, and to exact revenge upon an infidel who has dared to so grievously injure it. The shame dimension of the conflict rules out a negotiated settlement. The fight for regaining honour cannot be compromised, traded or negotiated; it can only be one to the death. Therefore, psycho-culturally, the US has entered an unwinable and endless war, so long as it refuses to back down.

The Administration was three times blind to these subterranean forces at work and were taken in by their own initial and fictitious victory following the initial shock of invasion. They were doubly taken aback by the new opposition, which emerged in multifarious forms triggered by the overwhelming sense of humiliation felt and the Pandora’s box of unresolved internal grievances and injuries, the retribution of which has laid unsatisfied for generations and even centuries. This blindness to reality, which continued throughout the war, was epitomized in the first period, when Bush blissfully announced, in a typical act of crude bravado that “all combat operations” had ended, under the banner of “Mission Accomplished” on an aircraft carrier in 2003!

Furthermore, the United States has trampled underfoot the most basic democratic entitlement of the right of nations to self-determination. Moreover, the right of self-determination is something, which, like honour, is so basic that it goes beyond legalistic niceties and generates revolutionary fervour. And although much of the character of the struggles is clouded in forms of black reaction, they are fought with revolutionary zeal. Ironically, in different forms and from different groups, the US has taken the place of the dictator they deposed, by robbing the Iraqis of the right, the satisfaction and the honour of overthrowing Saddam themselves.

Today, the driving forces of the character of the insurgency is not so much to defeat the American enemy, as to repay him in the form of dishonouring and shaming him. Guerrilla war which is the traditional form of Arab combat, going back to Bedouin tribal times, is precisely fought, not for victory as such, but for shaming and dishonouring those who have brought shame and dishonour upon them. Bedouin tribes would not seek to conquer kingdoms and occupy others territories, so much, but rather preferred to execute raids aimed at shaming another tribe through robbing it of its honour. Much of this lies at the root of the psychology of the unwinable asymmetrical war the US is now embroiled in. The longer they stay the longer they remain an object to be shamed and dishonoured. The aim will be to defeat them, not so much militarily, which is impossible, as psychologically through the unrelenting humiliation of its forces.

The insurgent aims dictate the means. They wear down and ridicule the US army by their hit and run tactics, their invisibility, they picking off of choppers, the sniper, the IEDs and, of course the suicide bomber. When suicide bombers first emerged in Palestine and Lebanon against the overwhelming might of the Israeli forces, the responses to why they did this was that “our bodies are the only weapons, we have left.” The suicide attack is seen as the ultimate act of superiority left to the attacker - the “spiritual” superiority of having the courage to take one’s own life against an infidel enemy, hiding behind his unassailable array of armaments, defending his shameful materialistic Western values. Suicide bombing confuses and terrifies the opponent, however much feigned distain they attempt to show towards it. For similar reasons, the beaten Japanese, with a similar shame/honour culture code, resorted to the terrifying tactic of kamikaze pilots of the 2nd World War.

What hold true toward the US occupiers is also the case for the unresolved historical blood feuds between the different sects and ethnic groups. Centuries of insults are heaped on fresh memories of atrocities under the Hussein regime. The tactics of suicides, of the torture, throat slitting, public beheading and the dumping of victims in groups in street dumps or floating as bloated corpses down the Tigris, are all meant to shame and humiliate the opposite camp. This is not only applicable to the long-suffering Shiites, but conversely to the Sunnis, who are well aware that they will be held to account and face retribution for the crimes of Sunni dominated regimes of the past. They are fighting to pre-emptively shame the vengeful shamers; dishonour the avenging dishonourers in advance of an all-powerful Shia government. Indeed, in an unconscious and perverse form, part of the character of the sectarian carnage the Iraqis are wreaking upon themselves also plays a role in the blaming and shaming the US in the yes of the international community for the situation it has created.

The US cannot create stability or effect regime change, because it would entail achieving an impossible cultural change from bottom up. For these reasons, the mounting military operations to achieve security as a space to achieving political solution and national reconciliation, is purely pie in the sky. The US is applying sticky plasters to gaping gangrenous wounds at a tremendous and worthless price. They are doomed to failure. Thus they are stuck in an endless war, they cannot win.

For the blinkered and myopic, cultural ignoramuses in the White House this is a book closed with a thousand seals. Consequently, the Iraqi adventure turned out to be a victory of astonishment over foresight. But having banged their heads on it they have chosen either to ignore it, or to treat it with contempt and carry on regardless. The bankrupt Administration has chosen to simply repeat and repeat again and again the same failed strategy and tactics, regardless of whether they kept coming up with the same failed results - something someone once described as being the definition of madness.

It would take a leap of the imagination for the Administration to realize that the aim of the insurgency is not to win, but to take retribution and to heap shame upon them. Culturally, this would even be the case should they be able to win militarily! Humiliation not annihilation is their payback for the occupation. Thus, withdrawal is the only option for the US, since they cannot uproot an emotional motivation by military means. It is not just that the US cannot succeed in an asymmetrical war, but that they cannot win a psychologically asymmetrical conflict. Withdrawal will be a victory for the insurgents. But regardless of all this, sometimes eating humble pie is the most emotionally intelligent course.

Stephen J. Morgan is a former member of the British Labour Party Executive Committee. A political writer, his first book was “The Mind of a Terrorist Fundamentalist - the Cult of Al Qaeda.” He is a journalist and columnist for http://www.thecheers.org/ magazine. His specific interests are political psychology and Chaos theory. He lives in Brussels (Old Europe) http://morgansreview.tripod.com/ Contact morganreply@yahoo.com

Fighting The Debt Collector

There is nothing more disturbing to a day at home than several phone calls all made in the interest of a debt collector. The last thing you need at this point is another reminder that you’ve fallen behind in your bills. Whatever has brought you to this point, you are here and that is all that’s important. If you’ve decided it’s time to fight the debt collector, you should be aware of certain rights you have as the consumer.

You do not have to talk to them. Just because they are incessantly calling, that does not mean you have to pick up the phone and subject yourself to their harassing threats. If you do not want them to contact you anymore, simply write the company a letter requesting a cease of communications. Once they have received the letter, they are only allowed to call to inform you of further action they will be taking to collect the debts.

They should only be calling you certain times of day. They are only allowed to call between 8am and 9pm. If they are calling outside of those times, they are in violation of the Fair Debt Collection Practices Act and action can be taken against them. If they are calling your workplace, request that cease that action. If that is a threat to your position at your workplace, they are not allowed to call that location. Also, they are only allowed to tell you of the business of their phone call. They cannot discuss this business with anyone else that may answer the phone. They may only call relatives or other contacts as a way of finding out how to contact you. They may not reveal the business of their phone call or letter. These rules are all laid out in the Fair Debt Collection Practices Act.

A good way to fight the debt collector and regain control of your finances is to communicate with them. Their job is to collect the debt that is assigned to you. If this is a false debt, tell them so. At this point they are required to stop contacting you and conduct a full investigation into the matter. However, if they find that the debt is verified, then the phone calls will resume. If the debt is yours and it’s become overwhelming, speak to the debt collectors to try to come to a repayment agreement that will be good for both sides. In this way, the collection calls stop, you regain financial control, and your credit score stops suffering the negative effects of debt problems.

In fighting the debt collector, you want to find what way is going to help you in regaining control. Any one of the above mentioned methods will help the phone calls to stop. At that point you will regain the ability to think and plan your way out of your debt.

Is your credit card debt too much to handle? Are you wondering whether credit card consolidation is the answer?

Get your free copy of our special report “The Secrets of Credit Card Debt” at http://www.debtopedia.com for simple steps you can take to deal with your debt.

Planning On Selling Your Home - Increase Its Value


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If you are planning on selling your home, you must first decide how you want potential buyers to view the property. Do you want them to think of it as the “perfect fixer upper” or do you want them to think about it as the “charming bungalow”?

If you decide on selling it as a fixer upper, you will get a low price and you need not read any further. If however, you want potential buyers to view it as the charming bungalow and get a higher price - then read on.

There are many small things that can be done to your property to increase its selling value and determine how potential buyers will perceive it. Remember that it is the first impression that will determine how your property is viewed.

Outside Your Home:

The obvious items are to ensure that when the potential buyer first approaches your property it is tidy (lawn mowers and garden tools put away, children’s toys and bicycles not lying on the grass), lawns are neatly manicured, and bushes and shrubs are reasonably trimmed. Windows should be clean and sparkle, brass doorknobs, locks, and handles should glisten. Spider webs should not be attached to outdoor light fixtures or doorframes.

If the paint is peeling and/or dirty, a fresh coat of paint will go along way to upgrade the image of the home. If you have siding or a garage door and it is dirty, you can rent a power washer and clean the grime off in an afternoon. You can also use the power washer on decks and patios to remove dirt.

Small items can really standout. Holes in walls where pipes currently or used to enter or exit should be caulked. Window and doorframes where they abut siding or brick should also be caulked. If the home has window wells make sure that any debris, such as leaves and grass cuttings have been removed.

Stair and deck railings should be tight and not wobble. Clean bird droppings from outdoor furniture and air conditioner condensers. If you have a pet that uses the outdoors as their washroom, make sure that any and all evidence has been removed. All outdoor light fixtures should be complete, replacement globes can be purchased at the big box home improvement centers and ensure that light bulbs are not burnt out. Replace any broken outdoor receptacle covers.

Besides, the positive visual affect of doing the aforementioned you will also leave the prospective buyers with the feeling that the property has been well looked after.

Inside Your Home:

The inside of the home should look clean and tidy. A fresh coat of paint in neutral colors is of great value and one of the largest negatives are deep colors especially in bedrooms. Make closets look big by removing any clutter, they should appear as if they have plenty of space available.

If the home has carpets, it is worth the rental cost of a steam cleaner to freshen them and remove any stains. If the carpets are worn it might be worth removing them, depending on what type of flooring is being covered or if necessary replacing them. New carpeting, even if it is inexpensive with a relatively short life will enhance the value of the home.

No one is prepared to replace kitchen cabinets in an attempt to get more money for their home. However, depending on the type of cabinets, cleaning and adding a coat of polyurethane to wood or wood veneer cabinet doors can make them look new. Replacing outdated hinges, and doorknobs will enhance the appearance of the cabinets.

Replacing cracked caulking around countertops in kitchens and countertops and bathtubs in bathrooms will definitely be worth the effort.

Faucets in the kitchen, bathroom and laundry should not be dripping - replace any washers necessary. Black stains, representing mold, in bathrooms must be removed. There are numerous mold removal chemicals on the market that will remove the mold, although none of them will stop the mold from coming back! That is a completely different problem.

Make sure that all light fixtures have working lamps and all globes are intact. Ceiling fans should be cleaned with special attention to the blades. If a ceiling fan wobbles or does not work it is better to remove it and cap off the outlet then to leave it installed. Clean all window coverings including valances.

Ensure that all door bumpers that prevent doorknobs from hitting walls are functioning.

If you have litter boxes for pets, they must be clean and their location must smell pleasant. Use deodorizers to remove musty smells from basements, and laundry rooms.

Stand back and look at your home through the eyes of a potential buyer. Be honest with yourself, it’s your money. If you have concerns, correct them as best you can. The items that I have addressed may be labor intensive, but materials and parts in most cases are inexpensive. A little sweat will yield big dividends in your selling price.

For additional information on home improvement projects or other renovation ideas, including landscaping and gardening, visit Renovation Headquarters