Annuity

Nasal polyposis is seen in many disease states, including allergic and non-allergic rhinitis. Since the quality of life for patients afflicted with this condition decreases, such patients frequently seek medical help. Further, the relationship between the upper and lower respiratory tract makes the treatment of nasal polyposis of critical importance. New research findings, as well as new technical developments, have changed the conventional medical and surgical approaches to treating nasal polyposis, the result of which has been significant advances in the management of the disease. This book, written by authors internationally recognized for their laboratory research and clinical practice, is lavishly illustrated and reader-friendly. It includes the latest information on nasal polyposis, and aims to help the reader improve the daily management of patients affected by this condition.

The Family Research Council (FRC) ran a full-page open letter advertisement in print editions of Politico and of the Washington Examiner on Wednesday calling for a “civil debate” with the Southern Poverty Law Center, the liberal group that labeled the FRC and other social conservative organizations as “hate groups” in early December.

Among the 150 influential conservative leaders who signed on to the FRC’s open letter are Minnesota Congresswoman Michele Bachmann, South Carolina Senator Jim DeMint, Louisiana Governor Bobby Jindal, soon-to-be House Speaker John Boehner, soon-to-be House Majority Leader Eric Cantor, Minnesota Governor Tim Pawlenty and Indiana Congressman Mike Pence. The open letter calls for the SPLC to “start debating” and “stop hating.” FRC President Tony Perkins told The Daily Caller he had to cut names from the list to fit them all on the advertisement.

In the open letter, the FRC said, “The surest sign one is losing a debate is to resort to character assassination. The Southern Poverty Law Center, a liberal fundraising machine whose tactics have been condemned by observers across the political spectrum, is doing just that.”

Perkins told TheDC that his group has “just begun getting signatures,” and plans to launch a nationwide tour getting people all around the country to sign onto FRC’s call for halting labeling.

“We’re not afraid to debate the issues,” Perkins said in a phone interview. “We are not running from the debate. We are confident on the issues we advocate for based on empirical, peer-reviewed research.”

The FRC commended the SPLC for what is “was once known for,” which was “combating racial bigotry,” but said the SPLC “is now attacking several groups that uphold Judeo-Christian moral views, including marriage as the union of a man and a woman.”

“Number one, it basically sent the message that the SPLC is off their rocker, and, if they think we’re going to run in the other direction, they’re wrong,” Perkins said. “We’re going to full-speed but not in the direction they want us to. The left wants to say these issues are beyond debate. If we, as a country, decide there is no debate, it becomes a totalitarian state.”

The letter also says the SPLC’s “hate group” designation is similar to tactics used against other conservative groups and movements.

“These types of slanderous tactics have been used against voters who signed petitions and voted for marriage amendments in all thirty states that have considered them, as well as against the millions of Americans who identify with the Tea Party movement,” the letter says. “Some on the Left have even impugned the Manhattan Declaration – which upholds the sanctity of life, the value of traditional marriage and the fundamental right of religious freedom – as an anti-gay document and have forced its removal from general communications networks.”

The SPLC failed to return TheDC’s request for comment.

Reference research: business research and health research and travel research and recent update




finance promote

Ever wondered how the government decided to split up the country? I wouldn’t be at all surprised if you said no and to be honest unless it’s a job you probably have better things to think about, but an interesting survey recently released has some interesting results regarding how the UK’s love for technology is dividing up the country.

Originally created for the BBC’s ‘Britain from Above’ series data was collected from over 12 million anonymised landline British telephone calls which was then used to model a map of Great Britain split into 13 regions which theoretically make the least cuts between ‘connections’./> id="more-19493">/> Based on frequency and time the ‘connections’ were created every time a phone call was made, and then using some clever computer trickery researchers headed by Carlo Ratti of the Massachusetts Institute of Technology (MIT) divided Great Britain up by creating regions that split through the least number of connections.

The results of these are pretty interesting (and also look kind of exciting on the image) as they give a far more accurate view of how the country is socially divided rather than how it is divided through boundaries that have merely survived the test of time.

Some of the regions are very unexciting: London for example remains a singular region, as does East Anglia, the South West and South East, but it is Scotland and Wales that are the most interesting; despite being unified with England in terms of sovereignty at least there is still a clear social divide between Scotland and North England and the line dividing the two ‘social’ regions mimics the international one incredibly accurately!

However whilst Wales seems to have the south nicely divided up Central Wales is, as far as landline phone calls are concerned, becoming very much a part of the West Midlands whilst North Wales is essentially part of the North West of England.

Ok it is fair to say that this isn’t going to change anything, and is in reality little more than a nice graph, but does it say something about how we communicate in modern times? Although as Mr Ratti said “…you’d need to analyse further data sets, such as emails, instant messages to build a fuller picture of how people communicate” (which would be even more interesting) it is fair to say that even in an age where we can communicate with people anywhere in the country at the touch of a button there is still very much a sense that people communicate mostly within the area that they live.

Admittedly of all the forms of communication landline calls are mostly likely to reflect any residual regionalisation, but nevertheless the idea of regional divides are still very much there – research like this just shows how those regions have evolved to fit people’s everyday needs.

So although this isn’t anything new it can then prompt your technological theory musings of the day: how has the technology boom over the last few decades changed the boundaries of our country?

If this study is anything to go by then it has in the sense that the boundaries have changed, but they are still very much there and perhaps surveys like this should be taken into account by people like the Government and BBC when they consider their regionalisation policies, especially when it comes to issues such as rural broadband!

Via – BBC

Reference research: beauty research and home research and sport research and my social page




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When you consider starting a business then you need to do a little bit of research. The research will help you see how successful the business would most likely become. You can also find out the small details within a field regarding a business that we often forget or aren't aware of because the business isn't in operation yet. Here are ten ways to help you research a business opportunity.

1. Talk to experts that you know that are already in the field. You need to speak to people that are already in the type of business that you are interested in. You need to ask them questions. You want to know basically how it works from start to finish and any problems that the person may run into. You want to basically know what it is like on a regular basis to run a business. You need to talk to a few people in order to get a more in depth information. You need to speak to the owners of the business instead of just an employee since the owners does know exactly what goes on from day to day in the business.

2. See how profitable it is. You want to make sure that that the type of business that you want to start will make you enough money. The important thing is to consider if it is worth it depending upon how much time and energy you have to put into it. If the other businesses in the area are struggling to keep their doors open each day then it probably isn't a good idea since those other businesses don't generate enough sales or services rendered.

3. Can your company be better than the competition? You need to ask yourself that question. If every person in town always want to go a certain company for a certain item or even service then you need to become better than the competition. You want your customers to think that your company is better than your competition even with excellent customer service and cheap prices.

4. Does the type of business that you are interested in starting require a lot of funding in the beginning? Some companies are cheaper than others to start in the beginning. You need to figure out if you will have enough money for advertising and all the other expenses. You want to have enough money saved in the bank for your personal use too besides money for business. It is important to able to support yourself for basic living expenses along with being able to have enough money for your business too.

5. Will you be able to generate enough sales? Is their enough people in the city or town to offer services or items to the customers? You need to think about it. If your competition doesn't have a website then make sure that you have a business website. You always want to offer the next best thing or something else that they don't offer. If your competition doesn't offer credit accounts then you probably should offer credit accounts to business owners and individuals. You want to be different than your competition. If your competition doesn't advertise on radio then you need to advertise on radio.

You need to go to the city to look all the new companies that have been started recently within the last few years. Make sure to see how many of them ever renewed their business license. Look to see how many companies haven't been successful in the same field that you want to start a business in. You want to see many companies have been successful offering the same type of products or items. The records will give you a general idea of how well your company should succeed.




Reference research: beauty research and health research and general research and my social page




Delicious Converter

Archibold, Randall. (1999, January). As Parents Sweat, 4th Graders Cram for New Test. New York Times, v148 i51397, p. A1

Bracey, G. W. (1992, February). Predicting school success for at-risk children. Phi Delta Kappan, v73 i6, p. 492.

Phelan, Patricia; Davidson, Ann Locke; Cao, and Hanh Thanh. (1992, May). Speaking up: students’ perspectives on school. Phi Delta Kappan, v73 n9, p.695(9).

The following academic journal resources all utilized effective qualitative research methods. This report will identify and describe the approaches and methods taken in these studies to achieve the qualitative research.

The Research Design Symposium is meeting for the last time. The goal of this meeting will be to consider the value of qualitative research. The methodologies used in the studies above address the needed research concerning the matter of standardized tests and the causal relationship they have with anxiety. The approaches that will be discussed are ethnography, phenomenology, and field research. The methods that will be discussed are participant observation, direct observation, and unstructured interviewing.

The term ethnography comes from the field of anthropology. The purpose of this research approach is to study an entire culture. Typically, when one thinks of culture, we immediately think of ethnicity and perhaps location globally. However, recent studies have broadened this understanding to include “any” group or organization regardless of previously mentioned ideologies. The approach of ethnography is most common with the method of participant observation. However, the study listed above did not utilize this method. In fact, the method that the study used was unstructured interviewing. Unstructured interviewing involves direct interaction. The most important aspect about this method is that it does not possess a formal structured instrument or protocol. The interviewer is very “free” to move the conversation as he/she sees fit. I can understand why this method would be used to address research that involves ethnic difference. Sometimes researchers feel the need to direct the interview so that the participant does not feel manipulated and also so that the participant does not become offended by the interviewers assumptions or questions. Although this method is usually more difficult to interpret the interviewed data (because of its lack of structure), it is the broad undertaking that makes this method appropriate for the study.

The second study that used qualitative research used different approaches and different methods. The approach used was phenomenology. This approach has a long history and can be closely linked to the field of Philosophy. However, the purpose of this approach is to emphasize a focus on the participant’s experiences and interpretations of his/her environment. Additionally, the researcher would use this approach to better understand how the world is seen through the eyes of another person. This approach is to establish a “perception” and how the research supports or changes this perception. The method used in this study was direct observation. The researcher used video cameras to observe the phenomenon. The purpose of this method is to observe certain controlled sampled situations. Also, this method is not as long as other methods, and therefore, it tends to be more focused than other types of observations (participant observations). The researcher in this instance is not taking part in this experiment. His/her entire purpose is to be a ghost. Direct observation attempts to keep a distance so as not to bias the observations. For example, on reality shows currently on television, would the participants act different if they didn’t know that they were being watched by millions of people?
The final study mentioned earlier uses the approach of field research. Field research is very broad. The purpose of this approach is to gather qualitative data. Examples of this type of data include in-depth interviewing, direct observation, and written documentation. The researcher embodies himself/herself into the environment of the research. The researcher relies heavily on field notes and extensive use of coding.

The method used in the final study was direct observation. Oddly enough, field research is closely related to the method of participant observation. Participant observation is considered the most common methods of qualitative research. The most important aspect of effective participant observation is that the researcher must be engulfed in the context. It is almost as if the researcher is “under-cover”. The researcher must plan on spending years gathering data. He/she must also be willing to be wait until he/she is accepted within this culture or environment. The acceptance of the researcher is important for the researcher to observe the natural phenomenon as it happens. The researcher becomes a part of the research. This method is very extensive and thorough. This data may also be interpreted later in the form of a “case study”, which is also a qualitative method not used in the three studies presented.







Reference research: research Dr. and computer research and general research and recent update




blog

Few people would climb a mountain blindfolded. Yet company executives routinely pursue markets with blinders on-ignorant of market characteristics, the competition, and barriers to entry. Good ideas and good products aren't enough; a variety of factors can prevent first-class concepts from becoming profitable businesses. Opportunities need to be carefully investigated through objective market research. Investing in research can both save a business from making costly mistakes and increase its long-term profitability.

It's a common misconception that only large companies can afford market research. Just the opposite is true; small companies cannot afford not to invest in research. When resources are limited, mistakes are more damaging. Many small businesses fail because their owners don't do their homework-before starting the business and during the first crucial months. By performing a comprehensive market investigation-on their own or by enlisting the services of professional researchers-business owners can avoid pitfalls, increase revenues, and differentiate themselves from their competition.

Types of Market Research

Customer satisfaction is probably the most common form of market research but other kinds of research are equally important. The main categories are:• Competitor analysis - identifies who it is, pinpoints the strengths and weaknesses of other firms in the same market, shows where they are having success, and what they plan to do in the future. The objective is to stay a step ahead by taking advantage of their weaknesses, or at least keep up with them.• Market opportunity assessment - size, growth rate, trends, barriers to entry.• Product analysis - features, price points; determined by talking to potential customers to assess their desires before the product is introduced.

Research can be primary or secondary and quantitative or qualitative. A business needs primary research-which involves direct contact with sources of information-if it is trying to determine very specific, detailed information or is dealing with a technology, product, or service so new that there is a very limited existing body of literature. Customer satisfaction also requires primary research.

Secondary research involves the review of a body of existing literature about a topic. It is most suitable when a company wants a general overview of a broad topic, analyst opinions, and high-level quantitative information of an existing market.

Primary research is usually more expensive than secondary. Costs vary, depending on:• Sample size• How the survey will be administered - by mail, by telephone, online, focus groups• Whether just raw survey results or analysis and recommendations are desired

If resources are limited, a company can do secondary research in-house, provided in-house staff knows what resources are available, where to access the information, and how to interpret it. The Internet makes secondary research much easier and less expensive, because so many agencies have made information available for free. For example, government agencies worldwide furnish a wealth of quantitative information. Company Websites offer much valuable information, such as press releases, annual reports and financial filings, job openings, and product data sheets.

IT analysts and management consulting firms often make a limited number of reports and white papers available for free. Some companies also furnish free white papers, but these seldom are objective assessments.

Syndicated research reports are also available. These reports consist of long-term market forecasts, often segmented by geographical regions or vertical markets. Many businesses rely heavily on quantitative market forecasts to determine whether it makes sense for them to enter a new market or develop a new product. For established markets and products, syndicated research can be quite useful, but in the case of new products or technologies, such reports are less reliable.

Make the Most of Market Research

A business can dramatically improve its chances of getting valid results by clearly defining its objectives. Asking the right questions is crucial-a company should be able to clearly state what it wants to determine. It is not the responsibility of an outside research firm to identify what the client wants from a study. It is the research firm's responsibility to clearly explain its methodology and how it will approach a study.

Additionally, a research request should not be biased in favor of a particular result. Frequently, individuals who commission research have vested interests in a particular outcome. If the results are not to their liking, they try to discredit the study and ignore its results. It is best to have high-level decision-makers who have the best interests of the entire company at heart involved in the research process.

Research should not be based on an untested assumption. For example, a company should not assume there is demand for its new widget and ask a research company to find out how the product should be priced. Before developing the widget, the company should determine if there is a market for it.

Like any other investment, market research should be measured by the return it delivers. Return can be measured both by increased profitability and cost savings derived from not making mistakes. To receive any benefit, a company has to make a commitment to act on the results of a reliable research study. Market research can be a powerful business tool for those companies willing to remove their blindfolds.

Reference research: beauty research and computer research and sport research and my bookmark page




blog

The archiving tab is where you select how your old posts show up on the side of your blog. This archiving is how people will be able to quickly search through posts to see what else you have written in the past. Selecting weekly archiving is a good idea if you blog a lot of posts each day. If you only blog once or twice daily or even just do a few posts a week, monthly or weekly archiving is a better option. The next option is post pages and this means that each post has its own page so that someone can save the link to just one post and share it with other such as emailing it to friends. That is much more difficult to do if you do not choose post pages. Not choosing that option will make every posts bundle together on one page.

Site feed is another great option that can help you watch your visitors grow. Using RSS (Real Simple Syndication) anyone can sign up to your feed and have it sent to a software program or a website such as myYahoo and gets notified whenever you create a new post. You have the option to send the full text of your post or only some of it. Selecting short post is best because your reader will then come to your blog itself to read what you have written. Site feed is also where you have the option to make money using Adsense or another advertising program in your RSS.

The email tab has the options of inputting an email address so that you will get a copy of your blog sent to you via email whenever you create a new post. Below that is mail to address in which you can create a specific address that you can send a blog post to just using an email.

Permissions are a tab that is all about privacy. Here you get to choose who can and cannot see your blog. If you do not want your blog easily found for one reason or another, you can simply select only people you choose and no one else can see your blog because the people you choose will need to log in to read your posts. You can also send an email to other people to allow them to create posts in your blog.

Back at the top of your blog next to settings is the templates tab. The templates area is where you can custom design your blog to make it unique and different from the other blogs on Blogger. Template is also where you can pick a new default blog template and dive into the html code to change features and put them exactly where you them to go. Blogger has also made it much easier to add and delete links and page elements such as moving headers and footers to different areas.

Creating a blog is easy and simple and Blogger is just one of the many places where you can quickly create a free blog. A quick search online will allow you to look at the different blog sites that you can sign up for. There is also the option of paying for a blog especially if you want it to be more professional and business oriented.




Source article: online blogging class and Livejournal and free blogs and Blogging Host and Web Log
Blog Script

The Seattle Biomedical Research Institute is doing research on malaria vaccines. They are wanting to find out if the vaccines work. Since they do not know if the vaccines work, they are looking for volunteers who will try the vaccines and then hold a cup of mosquitoes that are infected with the most deadly form of malaria to their arm so they are bitten. This study is a continuation of a study that start at Walter Reed Army Institute of Maryland is is funded by the Bill and Melinda Gates Foundation.

Since people are being asked to be infected with malaria, this brings up all kinds of ethical questions. First of all, would these people get seriously ill and even die? According to the researchers this would not happen and people would only have flu like symptoms for about a single day.

However, while the researchers may be able to try to control the mosquitoes to the best of their abilities, it is uncertain that these people may not have some type of allergic reaction or end up getting some type of disease or other infection from the mosquitoes.

Also, would malaria spread if these people are out in the community? Researchers say that the malaria will not get to a point where it is infectious from person to person. Most likely this is true since they know the research that has already been happening.

Of course, the volunteers are given $2,000 for participating. The researchers have said that this is mainly compensation for missing work or replacing funds used to get to the site and any other costs volunteers may incur.

While this sounds a little bit on the dangerous sides, there are benefits as a whole. People really do care about others in third world country who are often infected with malaria and do not survive because vaccines do not exist and they cannot afford the medication. Thus, people who want to make sure that vaccines will be available to these people may have an urge to volunteer for this program.

While I like the idea of getting vaccines to people in third world countries, no amount of money would make me go get a vaccine that may or may not work and be infected with a possibly deadly disease. While I know that only flu like symptoms should occur, I would be scared that something would go wrong.

I want to live my life and not be willingly infected with a disease. I would be scared that I'd have something in my body or have some type of reaction either to the vaccine or to the disease that would end my life suddenly.

While I know that I can't control the length of my own life, I can try to take care of myself so I have a good life. I want to be able to spend time with my friends, my family, and my dog. If anything were to happen because of this, the money, no matter how much of an amount, would not do me any good. While it could help my family, it would not ease the pain of the loss.

I'd rather earn my money honestly than making myself into a medical guinea pig.





Reference research: finance research and health research and general research and recent update




Wordpress Org Box

You might be overwhelmed on how to research information for your book. It may be difficult in the beginning to know where to start at or even how to gather information. How to research information for your book is quite simple when you follow some steps. You need to write down a list of all of certain information that you want to be included in your book. Here are five tips on how to research information for your book.

1.Talk to experts. Make sure to put experts on that list to get information from. You want to be able to quote information and check facts with experts. Experts will add more value to the information in your book and also provide you with additional information. They are also great to get to know since you can learn more information from them. You want to write down their names correctly.

2.Get a tape recorder. You want to get a tape recorder when asking experts questions. The tape recorder will help you later on when you putting the information together in your book. It is also important to take notes while talking to the experts, but the tape recorder will help you pick up any information that you may have missed due to the person talking too fast or not being able to write fast enough.

3.Get a digital camera. You want a digital camera to take pictures for your book. A digital camera with pictures also may be able to help you describe something in your book better depending upon what topic your book is about. They are nice to have a picture to look at in order to put words regarding the picture.

4.Go to the library in your city. The library is the perfect way to get information regarding the topic of your book. You can also check current old and new information this way. Your library might be also to order a book for you if you can't find it in the library. Library is a great source to get allot of information for free without having to buy a ton of books. A library usually offers Internet access for free to find additional information. Make sure to check out the college library in your local area too. One thing that is great about a library is that they usually have old copies of newspapers.

5.Talk to neighbors and other people. Depending upon the topic of your book you can learn quite a bit of information from neighbors and other people. People will be glad to tell you information for free just to be able to see their name in your book. If you any people that are professionals in a certain field that you can use that opportunity to talk to them.

When gathering information then please make sure to keep it organized so you can keep track of it better. It may help to have file folders to keep everything separated so it doesn't get all mixed up. Out of all the information in your book the experts are the most important of it all. The experts makes your book hold more weight as far as being more accurate and also contains more knowledge so it is even more helpful to others.




Reference research: beauty research and computer research and shopping research and my bookmark page




Ali Edwards Blog

Ever get a research assignment and not know how to do the research portion?  Well here are some tips for your problem from someone whose written countless papers.

First and foremost I recommend for any paper is get your hands on a good grammer handbook.  The one I used was the Longman Handbook, it was required for some courses.  Any paper is only as good as the grammer within.  You could write an outstanding paper, but if your grammar is poor, the your paper will reflect that.  Also get your hands on a handbook for both formats MLA and APA it will be useful when citing your information.

Second thing you should do is to find out everything ou need to know about the assignment.  Such as what's needed, allowed, and not allowed.  Some professors will allow charts, graphs, and even pictures.  I had a professor who loved that I added pictures of the novels I wrote about.

Next thing I suggest is DO NOT WAIT until the last moment to do the research.  You will only cause yourself to go insane.  It will cause so many problems, the books you may need may not be available, because everyone else is writing the same paper and need the same resources.  Also magazines in your field that have useful information may be tossed out because of age.

Make use of all the resources in the library, that includes talking to the librarians.  Librarians know alot more than  you think.  They could lead you to useful books and articles for your topic.  Do not rely solely on internet resources.  One you never know if the information is accurate, and 2 if all your information is from the internet you come off as lazy to the point that the internet looked for information, not yourself.  Make  use of journals relating to your field, you may have to do some reading, but they contain useful articles.

Narrow your search topic until you have a more concrete subject.  If the assignment is say trends in tourism, ask yourself  what kid of trends?  Trends in transportation, lodging, restaurants, activities and even locations could be some sub-topics for the paper which narrows your search based on the sub-topics.  Any topic could be divided into two or more subjects.  You also have a sort of organization for the paper.

When doing research use notecards.  Mark each one with a number.  The first note card is the book infor like author, publisher,  copyright date etc.  Anything found in the book would be 1.1, 1.2 and so one until you move to the second book. When writing the book notecards write the information according to citing them on the referance page, that way you can just copy the notecard. Hold on to all book notecards for future papers, it would be easy reference.  I would also write a few notes about what is in the book.

Lastly I would suggest keep talking to your professor about the paper.  They could easily give you advice and help direct you to useful books and articles that would would help yor search.  They could also give you ideas on how to proceed with the paper and if you're on the right track or not.

Following these tips could help make researching a paper all the more easier and less stressful.  You could improve your skills and wow your professors.




Reference research: beauty research and law research and shopping research and my bookmark page




Credit Card Debt

Here are five topics for research in education. The perfect gift for the college student wondering what to select as a topic, or the educational professional seeking to enlighten us with a breakthrough or two.

What nutritional elements elevate learning abilities?

Are there foods that aid in the educational process? Certainly there are foods to be avoided, such as an excess of sugar and the caffeine laden drinks that send my fourth grade students bouncing off the walls. There are the “New Age,” well intentioned, but ill informed folks, who would have us eat nothing but dandelion leaves. There are the hucksters promoting their “overnight weight loss/increased sex drive/mind calming/IQ enhancing wonder diets,” each bearing the disclaimer, “these findings are not substantiated by scientific research.” But is there any real scientific data out there? I’d be fascinated to learn.

What methods most greatly encourage elementary school students to read for pleasure?

What is the psychology behind the impetus some students feel, and some students will never experience? Is there a proven existent paradigm for greater success? What are the latest and most promising approaches? How do I break down the reluctant reader and infuse them with a least a cursory desire to read? All of these questions spark my intense interest.

Are newly arriving freshmen college students better or more ill prepared academically than 1966’s freshmen?

Educators decry the state of affairs of all things educational, and routinely proclaim a crisis is coming or already upon us. But just as every generation in America has resisted and maligned the favored music of their offspring, I suspect this educational outrage is equally ongoing and unending. Is there data supporting the claims that today’s freshmen are more ill equipped to deal with college life?

How does physical movement benefit brain development in elementary students?

I was amazed to learn of the correlation between regular physical movement and brain development in young children. What programs exist that would aid in my bringing movement - and by extension, greater brain development – to my students? What are the latest research findings on physical education’s impact on other areas of learning? What is the physiology involved?

How does art instruction influence other academic progress?

I infuse all my courses with art, and have found it tremendously helpful in capturing the attention of my students. I want to learn more about how art impacts student development, both to make myself better able to utilize this tool and to give myself greater justification for using it. I want to glean all the latest and most well documented research that supports my view that art instruction compliments all other subject lesson planning, captures the attention of a segment of students who would otherwise remain apathetic, and broadens the academic universe of all students.

As this is one of my own personal favorite topics, I'll throw in a thesis, free of charge.   “Art instruction in elementary school curriculums – often among the first targets of politicians seeking to balance budgets – is a powerful and practical educational tool, with far reaching and often underappreciated benefits.”

Possible subtopics include art as a means to reach at-risk and otherwise educationally challenged students; how art instruction gives students a welcome respite from more difficult subjects, re-energizes and makes them better able to focus; how art education compliments and augments standard educationally required subjects; statistical data suggesting (or proving) that students who receive instruction in art have higher grades and do better on standardized tests (assuming this is demonstrable). 

Let's see some data collecting out there!




Reference research: business research and law research and travel research and my social page




Shoppingonlinebestprice

Today's educators are bombarded with information from all sides about the latest and greatest research-based instructional techniques in teaching. With all these crazes about instructional methods and the confusion about which one really works and which one is a dud, no wonder our teachers are so exhausted! As charming and inspirational as all these latest claims and success stories seem to be, educators need to be careful when choosing and implementing a new or old "miracle" instruction method. There are things a teacher needs to do before making any big changes to their curriculum and instruction.

First things first, what supporting evidence is there? Educators need to use their resources wisely and take all initial information with skepticism. Before actually outright backing the "amazing" new research supporting a particular method, whether it be Indirect Instruction, Cooperative learning, etc..., educators must do their research. Talk to colleagues, look the strategy up online, check out education magazines and journals, and any other resource material available. Find out what evidence there is out there to support the research-based strategy. Furthermore, make sure the sources you are calling upon for information are reliable. Reliable sources offer reliable evidence, so seek out unbiased, professional resources. Weigh pros and cons, consistencies and inconsistencies, before making a decision on the strategy at hand.

After thorough research has been done, the next important question is: "How should the research-based program be implemented?" And "What methods does the research show to be most advantageous?" These questions' answers would most probably appear in your research since it was suppose to be incredibly thorough. If not, you'll want to look it up. Many teachers forget this step, and as Grassen states in the article "What Does It Mean To Be a Research-Based Profession" teachers simply aren't properly implementing research-based strategies are thus losing out on potential benefits of the programs. "Cooperative learning was designed to complement teacher-directed instruction by providing further opportunity for students to work together using what they have learned. In most schools today, cooperative learning is used to replace teacher-directed instruction and students are expected to construct their own knowledge working in groups." (N.d). Clearly, teachers need to put a great deal of thought into this step as improper implementation of the program can have catastrophic consequences on learners.

Read up on each research-based method, decide what sorts of lessons would benefit from their use, and which wouldn't. Talk to colleagues about what methods they use in the classroom, why, and how they implement them. Most of all, be aware of comparisons being drawn between different research-based strategies. Look for comparative studies as opposed to non-comparative studies. Comparative studies are more likely to give you accuracy in research. Educators need to look at the whole picture. How is class A using strategy A performing compared to class B using strategy B? How do these same classes perform after trading strategies? How is school A using strategy A performing compared to school B using strategy B? And so on...

Lastly, before implementing any research-based strategy, an educator should ask themselves "Am I biased?" Be sure to be honest with yourself. Try to go into deliberation with an open and unbiased mind. Take into account all reliable sources whether they are in-line with your initial beliefs or opinions on the strategy or not. Remain unbiased until the end. Your openness and willingness to learn can determine the accuracy of your research.

There are a great many research-based programs out there and being implemented everyday. Many of them just don't have the proper supporting research for an educator, especially a new and inexperienced one, to simply throw their weight behind. Don't ask your students to do homework without doing your own. Research your methods before putting them into practice. Find out what's behind them, what's supporting them, and how they should be used to the biggest advantage in the classroom. Without such information your newest instructional plan could be a huge failure. Don't follow fads and trends, look for rock solid evidence and implementation methods before making that big leap of bringing it into your classroom.

Reference:

Grossen, B. (n.d). What Does It Mean To Be a Research-Based Profession? Retrieved March 8, 2007, from University of Oregon, Eugene Website: http://darkwing.uoregon.edu

Northwest Regional Education Laboratory. (2005). Research-Based Strategies. Retrieved March 5, 2007 from, Focus on Effectiveness Web site: http://www.netc.org/focus/strategies/




Reference research: finance research and law research and general research and recent update




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Variable annuity, I can feel that people shudder at the name of the IRA, I think I just heard the people! I was crazy to bring this issue to put in a variable pension IRA accounts? Perhaps, but that a big problem? There's really no any.Think all the different types of mutual funds you can invest in now is not any of these funds, mutual guarantee: your money or a lump sum or through the taking? They can ensure that the amount withdrawn, not a pension for your entire life? Can not guarantee future returns, which can complicate 5 to 7%? Or how can we ensure that the recipients of money? Can provide beneficiaries an additional amount of income in your account? The answer to all these questions can be no.



No other investments can provide any of the items listed above, except for variable annuity. People always say to variable annuity offers only the postponement of tax payments and high interest rates, that's all. This is not true. Through the advantages of living in a variable annuity can provide his or her income for life (and not through any of the annuity), the elimination of guaranteed benefits, guaranteed minimum benefits and guaranteed income and the Today benefits.In value , variable annuity in the world can guarantee that everyone wants your money, sometimes more, ago.



Do you have a variable annuity has a market share of more than mutual funds do. They are extremely high, as they say? Some of them, but most of them do not. All we are doing this, not all variable annuities are equal. Again, mutual funds do not offer the same guarantees that the pension variable offer.Most variable annuities on the market today offers benefits are optional, which means they have more control over costs. If you do not want this service, you should buy. It became so easy, now has more control over their rate of return that never history.



A variable annuity is a long term investment. IRA is an investment in the long term. Both accounts grow tax assets and retirement will be taxed as ordinary income. The price is not very different from the common fund or a fee based on the order of the day. The action is a guarantee through the benefits of a mutual fund does not give any guarantee. CMR are designed to provide income in old age, and are therefore variable length, but now without the use of annuities, variable annuities can be made more effective ever.



It as obvious as night and day between what the common fund investment can offer and what is a variable annuity can provide. With an annuity, which now has a higher market potential, with total protection from below. The investment fund, which is not at all. Under the auspices of the variable annuity, even, in some cases, and the investment options from 90 different fund managers. In the investment fund manager, investment fund and changes may generate only one type of pension fees.The say that the total loss in an IRA is a fixed annuity.



You have a minimum of security, a large one. Typically, fixed rate annuity loans are high interest rates and subsequent years is not very good. You can be the best in CDs, if you can not find a product with no surprises, which pays the interest rate of a long-term yields. Often with a retirement pension is fixed and safe for the stock index, the delivery schedule is so, annuity, long. With equity index annuities, there are too many moving parts, such as the rate of return is almost equivalent to annuity.



On set any level of income is now struggling more investment options. Yes, there is a fee for it, but often the best in life are not free. We believe that providing more money rates much weight back. If people look at the facts will be the variable annuity makes more sense than other investments within the IRA. To find the best equity www.annuityiq.com.Scott Demonte is a highly respected expert in variable annuities. Scott has worked as a financial advisor and how the executive and 2 of the better contracts for the sale of variable annuities America.



With sold in more than 12 years of experience in the financial services industry, Scott has decided to establish his own company, http : / / www. annuityiq.com thanks to his experience in the speed range of education contracts.By estimated income, as mediators

Charitable trusts that others can, annuity, increase your income, avoid capital gains tax or eliminating the reduction of property taxes, serve as another type of retirement plan, serve humanity and put a warm sensation in my heart. Here's an example that applies to anyone considering the sale of appreciated asset.In ProgressClarence Road and Mildred, annuity, had a farm, which has been in family since 1930. He raised corn and had a couple of cattle. However, the, annuity, company has remained inactive since Clarence died 10 years ago.



Businesses will be used in the country. For many years, in the nearby town has expanded so much that, annuity, they nearly reached the limits farm.A development company with the suggestion that it is hard to believe recently, annuity, contacted Mildred. They want to build a giant shopping center on his property. I am also willing to pay 14 million U.S. dollars for 80 acres.As as Mildred tied to his home of 40 years, but a way of life,, annuity, the solution is simple. The farm was originally homesteaded and has no merit.



How can I reduce the tax on capital gains? The procedure requires your gift to the farm of a charitable, annuity, fund balance. The trust then sold the property a real estate developer. You should hire a lawyer to make a gift of trust and the subsequent sale of assets can not be interpreted as a certain sequence transactions.Using Mildred other charitable trust has the following, annuity, advantages: 1. He does not just reduce the tax on capital gains, which prevents the full. If the rate of capital gains is 15%, saves $ 2,100,000 in taxes on capital gains.



Mary modestly. He saved all the buttons that came out of shirts, blouses and shirts. It 'also suspect. I think we can make 2100000 dollars for the most effective use of people in Washington, DC, DC2. Charitable fund, the remaining mandates annual payments of at least 5%. This amounts to $ 700,000 annually. It 'all my life and can take all the grandchildren, annuity, to Disneyland every year .3. You will have a tax deduction, annuity, on the basis of his enormous contribution to the charity fund.



It will be so great that the IRS let him transfer the unused part of a total of six years. This is a good bet that they will not pay income tax for the next six years.4. You can call any number of charities, will receive $ 14 million of trust when you die. Ultimately, there can be a new church, a hospital wing or a scholarship that bears his name and Clarence, annuity, for their generosity. The number of people that will be useful in the future, is too much for count.5. If you are concerned about disinherit your heirs, you can use some of the proceeds to purchase a life insurance policy and name your children and grandchildren of beneficiaries.



You could also gift up to (currently) 12,000, annuity, $ per year, as many people they want, without any tax implications.6 gift. No estate tax will be due to their death.7. 14 million will be managed professionally in a balance of charitable fund. These are investments and can build trust, as no guaranteed income. Events Slow economy, weather catastrophes or world do not have any influence on his income.It 'S is true, that Mildred could simply sell the property and pay the tax on capital gains.



Apart from capital gains tax, coming into this huge amount of money, which could create more problems.She would invest, annuity, in the defense of the proposal well-meaning relatives. There will be some real projects to be done to avoid that half of his assets to go to the government of, annuity, taxes, when dies.When make a charitable fund, the rest of the table as an option, most of these problems will disappear and there are many benefits.

Let's look at this previous statementHow not feeling NASD variable annuities? Life-oriented benefits through consumer products? National or distrust? You decide ... This position is above the NASD is in the following issues variable annuity industry, because there is no official position on the matter and whether the benefits of marketing to people who live Retired / Retired took a risk buying a product with a false sense of security that somehow made money, annuity, if not exactly in risk.But NASD believes that its Variable Annuity is no longer presented a risk to the goods market risk, now, for life and all those that added further guarantees of profits?, annuity, Then maybe they should contact the SEC to be considered as a product not covered by the risk of all products NASD.



After those who use this word as a guarantee for the sale of variable presentation of pensions, of course, there should be risks consumer.I any statements in accordance with the NASD and the higher its overall position, which is not a question of whether the product is good or bad? What is the actual implementation of the National Association of Securities Dealers? Only products that are offered, right? This is good, now is not to deceive the people, for the use of the word RISK GUARANTEE PRODUCT .



.. (This is not a product, and how to sell and to whom) Is this real? Compatible? This is a product of the current design, which is in turn guaranteed leads.The my words is a word that should not be allowed to be expressed with a dangerous product. Give a sort of guarantee that is good to buy this product, and that if this or any other thing will be fine! ! ! These problems will not disappear because of this abuse "of the rights guaranteed in the sense of a dangerous product. This is a match? It 'compatible? It is this combination of product design and definitions? NASD if the rules for sending of mixed signals? " I am a regulatory level of ambition? There their standards of an exercise in contradiction?, annuity, Why all these problems? "This type of risk, which allowed a variable annuity to a point beyond their regulatory control? This layer is an additional cost you can purchase some, annuity, of their losses and risks should not be used at any same / a word is used in a real guarantee of product losses.



The only real guarantee is that you must pay taxes ... As a general rule, protected from any real loss of the market, while in reality there is none, and once Sometimes I try to change the product, the risk variable design board and determine which is the risk of the product include not.Real not hidden in the design, you can create a false sense of security that the product has a direct impact on the market and the real potential for the loss of any customer, not to mention the value or senior retiree.



Unacceptable the definition of product design is a real problem folks.Once again the recent decision of March 2006 delivered by the NASD, which is good for the exchange variable annuity for another because of the advantages of a better life. And 'the idea of being in compliance? Then they get upset with the product, the, annuity, proposed project to prevent the loss of capital and the risk of an attack, as competition, when in reality it is they who have decided to allow [the, annuity, mixing of two different worlds products] (products guaranteed against the risk of loss of production of the so-called "living benefits"), and indeed all of why so many complaints still abound .



[Go S. Ball Ping Pong Ball] Index Annuity Annuity VS. The NASD refers to an index of variable annuity product as a "hopping" is a term that should apply to their "new performance benefits of variable life" by allowing a dangerous product that is not .... pretending to go to the likelihood of any risk to the introduction of product.I 'M word risk guarantee "is not quite sure of the actual product is any NASD chief said annuities difference.Their indicators are too difficult to understand! thus on the basis of these, annuity, observations, which can not only, annuity, understand the difference between the actual results of the actual loss of product warranty on the variable annuity with living benefits? Perhaps it is time to review the basis of a pension at the highest level, and not divert the attack, and attack or other

The incident, annuity, took place. Health workers, while difficult to accept, does not occur. Here are just a couple of examples where forces beyond your control can turn your life upside down and changed forever. Unfortunately, it happens every day. Now, maybe you can not control these events, but there is a legal system, which can help relieve the burden of these events in the coming years. If you are a victim of the negligence of others, to have a qualified lawyer and go to court. The result should be a solution "structured", that will pay him according, annuity, to the timetable set agreement.



This structured composition is presented as the defendant purchases an annuity to make payments. You may ask: "Why, annuity, can not I get the amount that the court gives me a lump sum?". Depending on where you live may be an option, even if states increasingly require that items be used.The reason for structured settlement annuities structured to protect the user, as the person who receives the money, spend money negligent manner that endangers the financial future and being.Let 'S to look at the real life example.



In 1973, Tiffany Adams was born in Memphis with severe brain damage than their parents to blame the doctor. He sued for negligence and received a cash payment of $ 250,000 prosecutor recommended sum.The global family, to invest money to generate income to help take care of Tiffany, during his life.Well, since this, annuity, is not a success story, we can see when it comes to parents going.Tiffany 'S wasteful invest in his father. In just over 10 years, the media attention for a few years later, Tiffany gone.



A divorced parents, and Tiffany, do not get child support.If is not enough, in 1987, Tiffany was an incident with, annuity, his chair Accessibility has caused serious injuries to his face. The family received a new settlement on a wheelchair company.This time, however, Tiffany's mother insisted on a formal agreement on the payment. This allows the mother to care for the daughter of Tiffany's, without fear of someone to take settlement.Accidents and neglect the things that you can not control.



This does, however,, annuity, the settlement price that you get something can.Be prepared and to be informed. Protect yourself and your family to discover settlements, annuity, structured and unstructured decision annuities.Michael Degeorge did extensive research on structured settlements and actions of large amount of information on its website http://structsettle.gitgoingnow. COM. Get free info today http://structsettle.gitgoingnow.com Structured Settlement Annuity.

Just because you have been structured for its settlement of a, annuity, claim or complaint insuracne not mean that you have to wait years to get the money you have in you. There are a number of acquisitions, settlements, which will provide quick cash for structured settlement. These companies can pay cash for structured settlement or the purchase of one of its settlement of disputed payments. Please use this lump sum of anything at home, university studies,, annuity, activities or debts.What investment is a structured settlement? A structured settlement are usually the result of a cause of personal injury.



This agreement, agrees to accept periodic payments over time in exchange for exemption from liability of your claim. A structured settlement can provide, annuity, payments in almost every way to choose. An example is the decision which may be paid in annual installments over several years. Another way to get payments in settlement of periodic payments years.These every few types of payment are usually issued through the acquisition of one or more pensions from life insurance companies. Structured settlements can also be supplied with a lottery prize, prizes, and any other situation where there is a significant Teller award.



Structured not always the best FitStructured settlements are intended to provide long-term financial security for victims injured by payment is not taxable. For most people, agreed settlement plan payment structure initially sense. However, if extreme financial, business opportunities, medical expenses, annuity, or buying a home, can put pressure on the injured party finances.In this case, the structured nature of the solution may be too restrictive to meet the major financial purchases. A structured settlement can not be the best option for investment.



There are several other investment vehicles that can provide much longer-term return of the pension used in structured settlements. So, some people may be better to get money for structured settlement payments, and then, annuity, proceed to establish its portfolio.How investment cash for structured settlement WorksIf will receive a bonus in case of injury, your lawyer or adviser Financial may recommend more everyone will be paid in installments against the allocation of a fixed sum of money for your structured settlement.



Then an independent third party can not purchase an annuity, which provides duty-free, annuity, payments.Companies newspapers offering cash for structured settlements, has a series of programs that provide access to any part of your retirement. For example, you can sell a title just four, annuity, years of payments and receive a payment time, still enjoy, annuity, some of your monthly payments. Or you can also sell their payment solutions to large, amounting to five or six years in the future.



You can also configure an agreement to receive cash flows from the decision is based on its own needs.Here is an example of how to get the money to work in a structured coupon: Suppose you're in an accident seven years ago. The incident had been hospitalized for several months and last for about a year and the average value of, annuity, physical therapy. So hire a lawyer and reported the charge, or rather, man insurance company. Ultimately, his attorney said he has been awarded a large sum of money.



After few months or years of negotiations, you, annuity, get a size very good solution. However, the money they receive in advance sufficient to cover the medical expenses that have accumulated. All salaries will be payable in periodic installments through an annuity in the next 15 or 30 years. Instead of joining a monthly or annual fee, you must contact the buyer to provide immediate solutions in cash for structured settlement. You can then use that money to improve your cash flow now, without waiting for the compensation periodic payments.



The legal issues, annuity, that receive the money in a structured SettlementIf're thinking about getting cash for structured settlement, it is important to address a financial advisor. Most countries have, annuity, specific rules that may restrict the sale is structured so that you will need court approval to receive cash for your property

In these times of economic difficulty to purchase at a high rate of unemployment above 10%, and the high cost of medical services, more and more Americans, annuity, are becoming disillusioned with, annuity, the federal government, resulting in, annuity, more money for short-and tax advisers, whose advice and techniques are of dubious legality. As a result, IRS has recently published a list of the twelve most common tax revenue with the intention - that the Ministry of Finance is calling "dirty dozen".



According to IRS Commissioner Doug Shulman, "Taxpayers should, annuity, be careful not to pay tax scams, annuity, that seem too good to be true ... There is no secret trick that can eliminate the tax liability of a person. People need to be of any assistance that the traffic one of these scams. "top of the list," Phishing "is a term familiar to most U.S. intelligence and computers to the Internet, where Internet fraudsters to trick their victims part with their privacy and personal data, allowing criminals access to bank accounts, credit lines, etc.



According to the site IRS.gov IRS does not initiate the unwanted e-mail contact with taxpayers about their tax issues. A taxpayer who receives, annuity, an e-mail claiming to be from IRS can forward the message to phishing@irs.gov. Then one of the oldest scams tax evasion, concealment of income from the shore. For decades, taxpayers try to evade taxes offshore debit cards, credit cards, bank transfers, foreign trusts, leasing schemes, private pension funds and life insurance plans. Recently, the IRS provides guidance for auditors on how to deal with income hidden in offshore accounts.



The Taxpayer Identification Number committed reserves "of filing false deceptive ways" to request a refund are not eligible to be a major challenge for 'IRS, annuity, in the coming fiscal year. unsubstantiated information requests, claiming false credit for saving,, annuity, even if the, annuity, argument that the 'man of straw "bank account has been created by our government for every citizen, are the most common complaints that fall into this category . I'm sure many people remember the problems that former President Bill Clinton was the income tax,, annuity, in particular, allegations that he used the clothes donated to charity is worth a few dollars a pair.



IRS continues to observe the abuse "of charitable organizations and deductions." Abuse includes a provision for the protection of income or property, improper taxation, attempts by donors to maintain control over donated assets and overstatement of assets donated, as with Clinton. "Return preparer fraud" has created many headaches for taxpayers who fall victim to their schemes. There are many editors dishonest skim their customers discounts, charge overinflated in exchange for a, annuity, promise of repayment up to large, often require the share of these payments.



Worst of all, no matter who prepares the return, the taxpayer bears, annuity, the full responsibility for, annuity, its accuracy, which means that taxpayers used by these fraudsters is the "dry" when the IRS audits your return, annuity, at the end. According to information from IRS since 2002, the courts have issued a warrant ordering dozens of individuals to cease preparing declarations, and the Department of Justice filed suit against dozens of others that are pending in court. "Just remember - if it seems too good to be true, it probably "frivolous arguments" - that is, the system encourages people to make false accusations, and reasonably, to avoid paying taxes, have an obligation - to watch out for ' IRS.



These arguments include claims that the "income" is not defined by tax code, that civil servants are subject only to taxes, the income tax is unconstitutional, and many others. In addition to taxes, penalties and fines income deposit citation says that "frivolous" U.S. Tax Court, subject to a fine of up to $ 5000.Many taxpayers believe they are paid, are not taxed because of the fact that they exchanged

After decades of working life are entitled to adequate and secure retirement. But do not just fall into his lap and take a decision before the date of retirement income. Your insurance provider will contact you within the last day, his list of possible options, what to do with the screen after the cessation of work. Typically, a list of types of pensions, effective way to convert, annuity, the money into a regular income. There are several options, and while, annuity, the sector may seem complicated and confusing, there are several key elements that are easy to understand.



Firstly must decide on how to turn your screen into profits. Before doing so 50 years, although this limit will rise to 55 in 2010. It may decide 75 years, and you can continue working until that date, or it can be removed and is based on another time, but when you hit that age, they decided what to do with the substance, annuity, that generated during the work. pensions are available in different shapes and sizes, but there are three types of courses. Conventional pensions are products that can be converted into cash in a predictable and guaranteed income, which means that we will have an income, even if they live longer than expected, the insurance company, annuity, .



For example, someone in the background of 100000 could sign the agreement on conventional annuity provider for the supply of 9,000 years. This will not only continue for nine or 10 years, but not all the way until his death. No matter if you live beyond 80, 90 or 100. The insurer will still pay income.Impaired or increase pensions are the offers that the level of an offer of higher income, but are only issued to people with serious health problems. Smokers, who usually can be applied to them, and those with a history, diabetes or heart disease, annuity, may also be provided.



Although the question may sound painful, in fact ensures the best conditions for the people who should not live the old-time sound, annuity, retirees.Investment associated with a higher risk than other types, and are directly linked to the tastes of people and supplies and equipment. The Fund will invest in cash managers through a wide range of interests, you can raise, as well as down. Of course, this means that you can be much more than a conventional, annuity, agreement, but at the same time, you may end up with less than expected.



This type of product is widely used by people who have substantial savings or anything else that can be made about their pensions do not have to work out, annuity, .Pension remains a complex issue and the circumstances of each person is different. Independent financial adviser can help you choose what might be best for, annuity, you, and make sure you are doing most of the pension funds and get what you deserve.

On the stock market is often said that luck can be, and lost in a single operation. This is because, in addition to high income that a person can get from investing in the stock, annuity, market, trading is very risky and take the wrong decision, the investment can wipe out your money in an instant. As a result, many people are afraid to invest in the stock market. However, in recent years, new types of investment products have been developed financial institutions, to exploit the benefits of trade in the securities market without the risk of losing their investment.



One of them is an investment plan, indexed annuity, which has become very popular among the works investors.How? Indexed annuity is a type of debt that allows investors to trade on the stock market without the risk of losing the principal amount is invested in the event of market changes. Furthermore, indexed pensions and ensure a minimum level of income that would result from the investment. This means that the pension indexed in a position to guarantee that the person receiving the minimum income, regardless of market conditions.



This made the indexed annuity investment options are very popular among people who want to maximize income without the risk of losing their money.DrawbackHowever, there are some risks associated with pensions indexed simply because a number of top priority investment plan is the protection of individual investments. The result is that the return on investment can not be higher, as if the investments were made in risky operations. In addition, the performance of index-linked pensions are still regarded by more than one person could get by investing in conventional fixed annuity, which is more "reasonable investment.



The" The stock market can offer people the opportunity for significant growth your money in a short period of time. However, the risk of trading on the stock market would be to lose huge sums of money on bad investment decisions that have made people afraid to participate in the market. The good news is that there are investment options that people can take. For example, indexed pensions allow people to take advantage of that trading in the stock market offers without posing a risk of the purchaser investment.



Annuity provides detailed information on Structured Settlement Annuity Buyer, the buyer rents the PayPal payment of rent, annuity buyer guides and more. Annuity buyer of condos for sale.

Investing for retirement, annuity, is an important step in ensuring financial stability, annuity, in retirement. It can also provide financial assistance to every family the opportunity to leave behind. People are interested in various forms of security. This may be the investment in the stock, annuity, market, which can be risky, safe investments like a savings account or a 401k plan. Many people are not able to plan adequately for retirement, which can lead to problems after retirement, especially when they tried to leave behind their loved ones.



If you need, annuity, a manual for beginners sound investment, look no further.First, it is important to decide which method of investment is best for you. For, annuity, those who have no experience in the stock market, there are other options to consider. One obvious solution is a simple savings account. Concept similar to what is called an annuity. By paying a lump sum for the bill, the person who ensures the payment of taxes in circulation for the rest of his life. However, this may be offset by a multitude of taxes and retentions.



This can make an income interest to those who need assistance to live and own their property, but can not be an option to invest everyone.A security option may be more attractive to invest in traditional or Roth IRA. Roth IRA, as well as the traditional version, but with a touch. Instead of a tax on the withdrawal takes effect immediately. Also, after a certain age, the withdrawal is not taxed. This can be useful, because most of the payments is approaching the time of retirement are not taxed, which will allow them to free up more money.



Whichever option is chosen, it is important to understand whether these forms of investment of pension suitable, annuity, for beginners guide. Investing for retirement would not be complete, annuity, without addressing 401k options. Depending on the specifics of 401k, this may be the most attractive place to invest for retirement. First, it can spread if you must leave the company. Secondly, it is usually possible to choose the investments made with money that is put last, 401k often comes with a proper plan, the employer will pay all or part of the money you put in your 401k.



Although this is a great incentive, can lead to significant advantages in retirement.There many options to consider when you plan your retirement. The best advice to consult a professional before taking any decision to invest outside the 401k. The banks usually have their own, annuity, interests in mind, which may be useful to have a professional, annuity, look to the plan. Although this may seem a bit 'harsh, think of retiring and the future of those left behind. Because it is not so important not to be taken seriously.



With the support of the case, investment for retirement can be easy and

Suffering through the worst economic conditions since the Great Depression, Americans have learned a lot about how to manage, annuity, and invest their money, but also learned a lot about, annuity, how not to invest. The economic outlook to improve and develop the courage to venture back into the U.S. banking sector and financial markets, they can put their experience to good use by applying what they have learned how to build financial security, regardless age.In Twenty .. . Become your "first, annuity, creditor.



Is not saved always vague and mystical" Rain, "when you need a little 'extra money to support themselves and their families. Instead, except for its obligations and sustain its life as fluctuations in economic conditions. Because depression again swept, annuity, away all the old rules of saving and investment necessary to start again in the hope that it can not depend on the pension account, retirement and support of social security in old age. Take care, annuity, of your money now, put aside at least 10% of each paycheck to "end".



Experts say the retirement accounts and Roth 401 (k) accounts to recover, annuity, much of its meaning,, annuity, but the depression was again been taught the importance of keywords Diversify! Create and maintain a good credit.If who struggled with a recession, scraping to make ends meet and to make payments as you can, instead, on maturity, is not only so that banks and lending institutions have become more lenient. However, your credit report often determines not only the quality of their lives, but their prospects for employment and access to some of the biggest prizes of life.



The economy is improving, however, must regain its aggressive lending. Be careful with commercial services for the reduction of debt and bankruptcy lawyers, but reading all your tools and strategies to rebuild your credit. So put your thirtiesKeep use.In least $ 1,000 in emergency fund account.The emergency takes precedence even over its pension reserves and future revenues. You, annuity, must save at least $ 1000 of savings, so you have protection against repair the machine, the device has a serious accident, unexpected medical expenses and everything that includes Murphy's Law.



Because most American families, annuity, live just one salary, annuity,, annuity, from financial disaster, the emergency fund to protect against the phenomenon of homelessness, the loss of your car, or other natural disasters. In order of priority, must be kept in an emergency fund, and then save in a pension fund, then pay the real estate.As bills.Buy and argue that accumulate substantial savings to divert some of them in the house of income in the second house, duplex or small apartment complex.



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We at the Daily News are proud of our letters page. Many of our readers are as scrappy and opinionated as we are, and we are proud of the fact that the page shows that. Our letters pages embody our mission as "the People Paper," and we publish about 2,000 letters a year. We see the pages as a town square where everyone has a right to speak. And we make sure that people without e-mail and Internet access have as much speech as those who do.

In fact, that's why newspapers are so important. That the Ellie Light letter got so much attention in a world where so much online commentary is anonymous speaks to the power of newspapers. Our brand of democracy requires only 75 cents to enter, not a computer or Internet access. We believe the conversation on our pages are richer because of it.

This wasn't the first time a paper used the scandal as a chance to brag about its own popularity: the Los Angeles Times spun that same yarn on Monday.

The growing consensus in the media is that the little people should be happy for a chance to speak at all. And when this process is corrupted by deception? According to the News, you should look for some cheese to go with that whine:

THE BOTTOM line: Having your say is a precious privilege we have in this society. Ellie Light took advantage of this privilege, while taking advantage of the newspapers in question. We'll continue to verify basic facts, but we'll also continue to rely on the good faith of our readers. If a few readers of less-than-good faith get through, to us, it's a price worth paying.

So you see, these professional editors get paid to act more like bystanders and less like security guards. The privilege of getting published is such a "precious" thing that anyone can do it. Free speech is so sacred, so special, so important, that common liars are granted access without anyone caring.

Perhaps this lackadaisical approach to editing, coupled with the arrogant assumption that they're doing the public a favor, has something to do with the News's struggling profits, which forced the owner into bankruptcy protection less than a year ago.

Only in the liberal media can a newspaper exist on life support while lecturing others about "a price worth paying."

Meanwhile, the Cleveland Plain Dealer has been handsomely rewarded for providing honest coverage of the scandal. The article that broke the story earned more than half a million hits in just three days and resulted in the paper claiming ownership of an internet wildfire.

But no matter. The News is content to pay a more noble price of printing bogus spam letters as a service to society.

As to an explanation for why Light's letter was chosen, it offered exactly eight words: "it was short and made its points well."

Too bad the News didn't feel that way when dealing with George Bush. When the Philadelphia Inquirer sought to hire a Bush attorney in May 2009, the News complained about free speech being so freely available:

Will Bunch of the rival Philadelphia Daily News wrote, "It's not about muzzling John Yoo from expressing his far-out-of-the-mainstream opinion in the many venues that are available to him, but whether a major American newspaper should give Yoo, his actions, and the notion of torture advocacy its implied endorsement by handing him a megaphone."

Criticizing a newspaper for "handing him a megaphone" sounds a lot like muzzling, but hey, that was a Bush supporter. Ellie Light was a brilliant defender of Democrats who kinda sorta lied about her identity - an "implied endorsement" of her was just fine.

Not to be outdone, the Lebanon Daily News, just a few miles west in Lebanon, PA, also published an angry screed against its own critics that began with - wait for it - congratulating itself on printing letters from the little people:

Space in any newspaper is always at a premium, and we try to provide as much as possible for the people's voices, particularly on the editorial page. So when Light responded to our inquiry and said she was from Cornwall, that was good enough for us, and we rolled with it.

We usually have to write a variation of this editorial at least once a year. The titillating idea of "gotcha" is too much to pass up for some folks. Fine. We have a liberal - and we mean in the sense of what we allow, not the political leaning - policy on what's allowed on our editorial page. We always have. We welcome conventional views, opposing views, third-party views (especially those, frankly), alternate views and even the occasional skewed view. We provide a significant chunk of real estate for one to bring one's message. Most news papers don't allow upwards of 400 words for letters. We do.

How kind of these papers to welcome a variety of opinions from the very readers who patronize them. It's almost like they're starting to realize normal citizens pay their salaries.

In the middle of a hard recession that's caused newspaper profits to plummet, perhaps it would be wise of these editors to humbly apologize for making a mistake. Instead, readers are given snarky rants about "gotcha" scandals and warnings to be thankful for a paper that prints any letters at all.

If predictions about the future hold true, the newspaper industry might eventually find itself completely out of business...and Ellie Light will be remembered as a big reason why.

"I will not call them gays any more, these are sodomites. And I ask you please, in the media, stop misusing the word gay, which means happy people. These are not happy people."

It's when the pastor starts showing the photos of men covered in feces fisting each other, that you realize this is no ordinary press conference. On January 15th, addressing a crowded room of local and foreign journalists, controversial "pro family" pastor Martin Ssempa , sitting beside a solemn-looking Muslim Sheikh in front of posters saying "Barack Obama Back Off" and "Africans Unite Against Sodomy", begins his lengthy invective.

Ssempa called the conference to announce his plan to mobilize more than one million people to march on February 17th in Kampala to show the world just how strong support is for the proposed 'Anti-Homosexuality Bill'. "We want to give a postcard that he [President Museveni] can send to his friend Barack Obama," he says. However Ssempa, clearly relishing the media's spotlight, takes the opportunity to begin a lengthy digression on his deep-seated feelings about homosexuality, pedophilia and the "broken" West's decadent influence. Most of what he says might be laughable if his influence wasn't so far-reaching and the message so deeply offensive. As he repeatedly boasts, 95% of Ugandans are against homosexuality, "this is democracy at work."

A highly charismatic and flamboyant man, Ssempa seems less to speak than to gesticulate wildly, gleefully exhorting the audience of the ills implicit in homosexuality. At one point, he even dramatically decides to break for prayer, calling on the god "who destroyed Sodom and Gomorrah" to communicate to the media that Uganda will not perish in the same way. "God you know this bill has to pass," he prays with his eyes towards the heavens. "In Jesus' name, amen." Most of the journalists in the room, whether by force of habit or true faith, instantly mumble back, "amen".

Ssempa is no stranger to controversy, having over recent years, burned condoms in the name of Jesus and arranged for the publication of prominent homosexuals' names in cooperative local newspapers. His abstinence-based HIV/AIDS work was supported by the Bush White House and he has close ties with the born again First Lady, Janet Museveni. His latest work though, with MP David Bahati who privately introduced the bill, has thrust him into the forefront of the debate.

A captivating speaker and natural performer, (he was once the East African breakdancing champion), Ssempa clearly knows how to work a crowd. When a reporter asks why he is persecuting adults engaging in consensual acts in the privacy of their own bedroom, he quickly takes out his laptop to expose just what these acts are.

A pornographic slideshow of black and white photographs of men engaging in scatological fetishism is revealed. "I want to show you from their website", he proclaims, a devious smile forming. "I've taken the time to research what homosexuals do in the privacy of their bedroom. It is inhuman, it is animalistic, and it cannot be right. I want to show you these pictures." The audience lurches forward, leering at the pictures and groaning in disgust. Ssempa, enthusiastically goes on:

I want to say homosexuals eat each other's poop. Homosexuals stick their hands into their rectum. Homosexuals stick all sorts of deviant sexual things into their rectum. I want to show you this is from their website. So the first picture that I want to show you, you can see this man has just eaten the other person's poo poo and is rubbing it on his mouth, and I'm going to ask that we print for each of you a photocopy of this story so you get it fully.

Then, of course, they are grabbing each other's gentials, that is level number one, touching each other, grabbing each other. Then number three, now they are licking eachother's anus and are licking poop. And they call poo poo, chocolate. You see it is a change of words. I want you to see, Sheikh please forgive me but I want these people to see, they say a picture is worth one thousand words. This is a man eating the other person's poo poo, can you see that one? Please from BBC, I want you to tell them, we know what they do.

This coming from a man of god, a community and church leader, and yet also the co-author of a bill which makes touching another person "with the intention to commit homosexuality" an offense punishable by life in prison. He concludes, "After they have eaten poo poo, then he puts his hand inside the other man's rectum. You can see it. That is called fisting. FISTING! Practiced by 65% of all homosexuals. It is deviant! As if that is not enough, he puts it all the way," he pauses for effect and then excitedly grunts, "iiiiiin!" The audience erupts in laughter.

There is something distinctly un-Christian about Ssempa's lengthy tirade, whether it is the pronounced lack of compassion or the clever way he manipulates the argument. No he isn't victimizing, he is standing up for the real victims here: the minors and handicapped insidiously recruited by homosexuals. He criticizes rights groups for their betrayal of the "boy child" who is being molested and raped by men in Uganda without adequate protection. He accuses those who've accused him and his bill of fascistic and undemocratic aims as being "non-ideological" and "undemocratic" themselves, seeking to quash any discourse and stifle the debate.

Ssempa easily shores up support by turning the argument into one of African communal pride versus neo-colonial attempts to destroy it. He calls homosexuality a direct assault on the traditional African family in spite of (or perhaps to overcompensate for) the seldom-mentioned fact that he met his white wife in the United States. He frames the argument as the new clash of civilizations: "For us, as Africans, we are a community, our value system is 'I am because we are'. For the western people, the Europeans, they say 'I am because I am'."

He vigorously castigates America and European countries as "failed states" for "putting the export of sodomy as their number one priority" and seems especially emboldened by Uganda's recent oil discovery, dismissing Western aid as little more than a pittance. "If the changing of our laws to receive sodomy is the price we have to pay to receive mosquito nets and malaria nets, then we'd rather die in dignity."

According to Ssempa, America is bankrupt, deeply in debt to China and soon to be completely dependent on African oil. The U.S. can't afford to set preconditions now that Uganda sits on two billion barrels of crude. Uganda has entered a new era, the past Ssempa terms "B.U.O - before Uganda got oil"; now the country will sit alongside Abu Dhabi, Saudi Arabia and Kuwait.

Ssempa laughs and goes on to wax lyrically about the inherent evils of "anal licking" while every day his draconian bill inches closer to being passed. After dismissing one reporter's query over possible cessation of aid to Uganda, he exclaims to a rapt audience, "I care deeply about white people telling us what to do. We really find that annoying. I want to say we are a superpower!"