Brain Top Off!

A majority of my adult life I carried a gun as part of my job. I carried it 40 hours a week for about 20 years and many, many more hours off duty. I wore it so much I felt like I had a permanent growth on my hip. Today, I have a license to carry a gun, however I rarely do.

Guns and ammunition are selling at record rates all across the country because many feel harsh gun control is right around the corner. Many say gun control would be good crime control. Some people including some police administrators say get them off the street and violent crime will get much better.

Now, only 7% of Americans even care about Global Warming anymore showed a recent survey, instead they care more about their jobs, employment, and the economy. So, their global climate change political future is less than adequate now. Nevertheless, politically motivated climate research continues to pour out of our top colleges and universities trying to sway public opinion, promoting fear in our populations, and cause change through mass appeal to cut CO2 emissions; it’s all failed.

I teach and work in some areas that have extremely high rates of firearm related crime. Some of the areas have the highest rates of robberies and murders in Ohio. Luckily, the people I deal with are great. They are going to college and doing whatever they can do to better themselves.

If you will recall all the funding that went towards Y2K and what a huge problem that was claimed to have been, or all the money that went into the cold war, well then you can see the incredible use of politically motivated, and taxpayer funded research.

After all, just because we inspect underground facilities A and B, does not mean they don’t have a C, D, and F, somewhere else. Further, they’ve lied about everything, every step of the way, so such negotiation, talks, and diplomacy is a joke, unfortunately, the joke is on us. I certainly hope President Obama is not that naive?

It should be noted that Iran has funded $100 million per year to both Hamas and Hezbollah, and if they produce nuclear weapons you can be assured that they will give them to those two proxy terrorist groups to serve their will. Not to mention the fact that Iran has bought ICBM weapons with ranges over 1200 miles from the Chinese. All it would take is a few of those with nuclear warheads and the world would never be the same again.

If we are to trust the Iranians in negotiations to get rid of their nuclear weapons programs, we are complete fools and we are being played once again just like the Libyans did when President George Bush was in office. Please consider all this

Resource Box Allen Austrot
Mortgage Refinance Leads
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real estate land speculation is a way to get in on a hot investment before a boom hits

Abnormal weather across the globe is very evident nowadays. This is marked by extreme atmospheric conditions worldwide such as heavy rains, drought, heat waves and super cyclones among other things thus making it hard to predict the seasonal climate condition. Abnormal weather can be noted in Australia, United States, Britain, France and in Asian countries as well.

What usually happens when there is a cold front is that warm air is displaced and moves over the cold air. This is because warm air is lighter. Once there, warm air will grow cooler and form into clouds.

Increase in Earth’s temperature results in major melt down of ice in Polar Regions. This will cause the increase in sea levels thus affecting precipitation. From there the abnormalities of atmospheric conditions are established. Other effects of global warming in our environment are Arctic shrinking which will result to methane release, glacier retreat, and extinctions of some species. Not to mention the human harm that global warming can bring us.

So what is a warm front? They are simply what cold fronts are not. Warm fronts are the front portions of warm masses of air that move in to replace preceding cool air. As expected, air in front of the warm air mass is cooler than air behind warm fronts. In weather maps, it is represented by solid lines with semi circles or rounded lumps attached to the front of the lines. This is opposed to solid lines with pointed triangles that represent cold fronts.

So why do I love the weather here? Because now, I appreciate it when the good days come. When I lived in Texas, we never stopped what we were doing when it was nice out. We never piled into a convertible or onto a motorcycle, and we would never sneak out of work early, because the weather was perfect.

The people in Texas never take full advantage of the great weather, but we do here. The hustle and bustle in our neighborhood on the good days is amazing. Sometimes it feels like a street party, everyone is outside, everyone is happy and the kids are going crazy. You don’t appreciate that which you have all of the time. So I am thankful for the Aberdeen area weather, because I have learned to take advantage of it when it is good….. and you should too

Resource Box Allen Austrot
Possible reasons why you may wish to Refinance your existing mortgage
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Poverty and hunger go hand-in-hand. And recent report from the Food and Agriculture Organization show results that there are more than 1 billion people around the world who suffer from hunger everyday. Not only as this report is alarming but also disheartening to think that while some of us waste food on the table, a huge number of people have nothing on their plate.

No one is really sure what will happen, some say that the mountains will rise, that the seas will swallow the entire land surface of the earth or that there will be a sort of volcanic eruption that will be so huge that the sun could be blocked out causing the earth to freeze for thousands of years. Some Scientists believe that the polar shifts that are occurring will cause a chain reaction that will lead to the desolation of our planet in a matter of days. Other groups think that it could be caused by human acts such as war, or that it may be an act of God and that it is time for the world to end. Still others believe that it is just a hoax with little merit at all to all these predictions.

And twenty six years after that, the allocation has fallen to less than 4 cents. Another point that Rev. Beckmann stressed is the fast rising of the number of hungry people. His accounts show that there are over 1.02 billion people who are undernourished. Among the severely affected are children and women who are subsistence-level farmers who only depend on their small fields to feed their children.

Another theory is to head for the mountains. Moving to the mountains before the Doomsday catastrophe is supposed to take place is what some people see as a chance for their salvation. This can be a little tricky though, first you would have to be able to figure out the continent shifts that have been predicted will affect the mountain you have chosen as your retreat.

This affair, voice mail and women coming out of the closet will affect millions of people (and kids) who idolized Tiger Woods. If my son was a bigtime golfer, and liked Tiger, I would sit him down and have a little discussion as to principles and ethics. Wouldn’t you?

You can’t take away what Tiger has done on the golf course, but he has now forever tarnished his image to the media and his fans. And, what about Elin, his wife? I hear rumors that the prenup is quickly getting revised to give her more money (and earlier). Wow! This is crazy stuff in the world of Golf isn’t it?

Resource Box Allen Austrot
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Sometimes there are facts and sometimes there is utter fiction. While they both may give an individual a run for their money, it is imperative to know and understand where to separate fact from fiction, particularly if it involves the end of the world and other claims made towards the day of reconcilement. 21.12.2012 is what the experts and philosophers are saying is the final day for redemption.

Since Jesus is your Lord, you are subject to Him, not to the world. You live in His kingdom, that means you are a part of an arena that is ruled by him and under His sovereignty. When we become believers and enter the kingdom of God, we change our worlds. We are in the world but we are not “of” the world (John 17:15-16). We become citizens of the kingdom of God.

While there have been many such claims in the past as well pertaining to the end of the world, with the Przepowiednie 2012, there is more fact than ever which not even a fictional book can match up to. Przepowiednie 2012, otherwise known as the 2012 Prophecy descends its roots to the early Aztec and Mayan tribes which formulated the values which we learn today about the creation and existence of the world. It is the Mayan Calendar along with the Aztec readings which were inscribed more than 5000 years ago which clearly prove the end of the world in January 2012.

When you live in the kingdom you don’t need to check your credit score. You will not need to refinance; you will not need to consolidate your debts. You will not need to file bankrupt. When You reside in the kingdom of God, all your needs are automatically met. You can avail yourself of your kingdom citizenship and all its blessings, rights and benefits to help rise above your circumstances.

So here they eat of the tree, hid themselves and the Lord says Adam where art thou? Yes God knew where Adam was. He wanted Adam to be aware that he knew that he was not in the place where he left him.

Before you answer the chirp, make sure it is the voice of God. If the signal drops it ain’t God. Stay in tune with him

Resource Box Allen Austrot
it really pays to Refinance your mortgage loan
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Many people in the You Tube fraternity are driving themselves crazy with puzzled frustration about a new phenomenon. Magibon – the young woman who makes a short video of herself doing nothing, and saying nothing – and gets a million views in a week? What is occurring here? Just what is the secret of the Magibon phenomenon?.

 There is an abundance of literature available on OPTIONS written primarily for locating and marketing to the GREEDY INVESTOR. One promoter who charges over $3,500 for his seminars on Options Education touts that investors in his seminars earn returns in excess of several thousand percent per year! He provides and documents several real time examples and shows how some traders made a 12,000% annualized return. (Just in case you thought that was a typo that is twelve thousand percent!)

My statistics teacher in college used to say that “The figures don’t lie, but liars figure.” Listen Up….because if you don’t learn how to read the fine print that these deceitful promoters espouse you too will make those types of returns but probably won’t be able to pay your rent!

Most traders enter into the financial markets seeking that ONE home run trade that will permit them to check out of the rat race. Knowing this FACT deceitful promoters arm themselves with examples that will lead you right into their arms. Here is a common example of their con in action:.

You only have to look at the many comments of baffled viewers to realize that the phenomenon is an extremely complex one. Does magi herself know all the answers? That’s an interesting question, that I intend to ask (and answer) in a later article. But for now I want to look at the reason why her videos are so compelling. First it’s necessary to deal with the question of sex. And for reasons that I’ll look at in more detail later, I believe that her popularity has very little to do with sex per se.

Now the promoters bait the hook……. Even though your profit was $50, your return on investment was 50%. This is indeed factual. Think of how EASY it was to earn that return, after all you did it in only one day! So since there are 365 days in a year, to calculate an annualized return we would multiply 50% times 365. The result is a staggering return of 18,250%. (Now if your stomach is turning by this type of deceit, GOOD!)

I offer you the MATH below:

Buy Price 1

Sell Price 1.5

Profit $0.5000

Gross Profit $50.00

% Return 50%

# of Days 1

# of periods in a year (365 days) 365

Initial $ Investment $100.00

Net Profit $50.00

Annualized Return 18,250%

Now what infuriates me about these promoters is how successful they are at providing the public with this type of “financial snake oil!” One promoter in particular has actually written a best-selling book on options that is filled with these types of misleading and deceitful computations. Hard to believe but an 18,250% return will barely pay for the price of the book!.

The worst part of this is that it’s a cycle. That’s why big business, even though it seems to increase our quality of life (due to increased availability of goods globally), only continues to hurt our economy. As consumers lose money, they require lower prices. To accommodate that, companies have buy cheaper, pay employees less, and yet continue to expand into new markets due to competition and stockholder demand. Now, I’m no Economist, but even I can see, and I believe you can too, that there’s eventually going to be a crash, at a global level.

This crash isn’t going to be the recession we’re in today. This is bad, but honestly, this is nothing compared to what I imagine. In the Pixar movie Wall-E, they depict a single massive company, “Buy-N-Large,” owning pretty much everything. Believe it or not, that’s much closer to what I imagine, but with politics involved. Imagine this company not only controlling the market and our Economy, but it also would have governing power over countries. Don’t do what this massive conglomerate wants, and boom, they raise prices in your area, crushing your citizens, and forcing you to bow to their wishes. That’s what’s coming, in my opinion, and while it seems like it might be good for business, I believe that, overall, it’s bad for the economy at a global level.

Resource Box Allen Austrot
Possible reasons why you may wish to Refinance your existing mortgage
When it comes to Mortgage leads
siempre que quieras, juegos de motos

Disasters in their aftermath bring forth rising criticism leveled at those responsible for not only managing risks and disaster prevention, but also to the establishment accountable for urban planning. When disasters are deadly, with significant number of deaths involved, and stark pictures of horror, suffering, and loss widely exposed by the media – then, the criticism will increase to a crescendo of “poor management and negligence”. The deadly flash floods rang the alarms for town planners to heed and pay more attention to environmental standards in rapid urbanization and industrialization. The full breadth of environmental realities and the state of natural resources together with steps which guarantees human safety should have provided the over-arching framework in making t decisions pertaining to transportation, industry and urban construction. (i)

From reports from the wire services and people I’ve talked to in American Samoa, the only immediate warning for the tsunami most people received were the cell phone calls made by forward-thinking family. Common sense dictated that if an earthquake was both near enough and powerful enough to damage buildings, a tsunami was on its way. While many villages were literally swept completely into the Pacific Ocean, most people managed to get to high ground and escaped with their lives.

In the future, these three areas, particularly American Samoa, since it is under jurisdiction of FEMA and the US Government, will have to improve their Tsunami warning system up to the high standard set by the state of Oregon, which includes blue sirens all along the coast, and regularly scheduled tsunami drills in all the public schools.

Rapid economic growth aggravates flash flood hazards. As new construction takes over arable land, and urban population density increases, infrastructural growth may not proceed in tandem. Growth in urbanization inevitably reduces vegetation, wetlands and other habitats for flood prevention.

The patterns of urban flash floods are almost identical in its force. Small streams, canals, channels, and drainage ditches become fast flowing dangerous rivers. Where the terrain is flat, primary and secondary roads are inundated with torrents of floods, streets and parking lots becoming rivers of moving water. As the connotations imply, flash floods rise rapidly within a few minutes or hours of heavy rainfall. As the water rises rapidly and moves swiftly, carrying cars, ripping trees from the ground, and even destroying roads and bridges.

Putting this into perspective

As we speak, a much deadlier weather event has left over 300 dead and thousands homeless, as Typhoon Ketsana has slammed into the Philippines, Vietnam and Cambodia. As much as 80% of Manila is underwater. A second quake hit Indonesia today, a 7.6 magnitude quake, scaring everyone up into the hills. Considering it was an 8.0 quake in the same area that prompted the 2004 Tsunami of infamy, I can’t say they overreacted. If I felt a strong earthquake on any coastline, I would hightail it at least a mile into the hills as well.

The tsunami that resulted from it was less that a foot, smaller than what hit Hawaii or Crescent City, California from the Samoa earthquake. Officials were able to call off the warnings and people soon returned to their normal lives.

In the world of extreme weather events, we can only still guess at exactly what a hurricane will do or where it will go. This is true of many weather events, be they floods, tornadoes, even a wildfire. Earthquakes are the worst of all, and give no warning, but unless you are close to the epicenter, tsunamis are at least predictable in the Pacific, thanks to the work of the US and Japanese governments.

If you plan writing articles about the weather, you need to focus on the long-term trends, the records that are being broken, the cooling of the planet, the increase of ice at the South Pole, annual rainfalls, and the major events such as hurricanes, typhoons, cyclones, tornadoes, ice storms, and huge deluge of rain during peak storm season.

You see, people are interested in the weather not only because of the soccer game on the weekend, or the barbecue on a three-day weekend, but also because it affects their commute to work, their jobs, their family, and every aspect of their lives.

If you can do write about these things and if your articles address people’s individual concerns about the weather, you’ll be amazed at how many people will read your articles online. Please consider all this

Resource Box Allen Austrot
Mortgage Refinance Leads
Daily Mortgage Market Index
real estate land speculation is a way to get in on a hot investment before a boom hits

According to the guidelines laid down by the UN, Illiteracy is defined as “The inability to read and write a simple message in any language.” Let’s first analyze this definition closely. An illiterate person is like a handicapped person who is unfamiliar with the happenings in his surroundings, cannot even do basic day to day things like driving because of his lack of ability to understand the basic symbols and traffic signs, cannot read the menus at restaurants, cannot be on Facebook.

Despite the danger, something in Horia Cretan kept him moving. When he reached the fourth floor, he helped a man get outside through a window and saw a firefighter with a small boy in an apartment. The boy had inhaled a large amount of smoke and was barely breathing.

It’s hard to figure out whether the issues like child labor, population growth etc are consequences of high illiteracy rate or whether the situation is other way round Whatever may be the answer, one thing is for sure that there is a cycle of issues, all interconnected, and fighting against one will definitely affect the chain. To liberate ourselves from the shackles of ignorance, poverty etc, we need to get out of this vicious circle.

Cretan was immediately heralded as a hero. People in his community praised him for his brave deed, and word of the rescue spread quickly. He was asked to tell his amazing story the next day on the ABC News program “Good Morning America”. While there, Cretan did something else that grabbed the attention of the world.

During the show, Cretan talked about how he helped local firefighters rescue the young boy, but he also had something else he wanted to discuss. His girlfriend, a woman named Desiree, was called to the set. When she arrived, Cretan took her hand and got down on one knee.

What if newspapers filled in the quality and trust gaps left by advertising earning the trusted role of each community’s information hub?To become a trust agent of the community, newspapers need to stop accepting advertising checks from disreputable businesses. Being the hub has responsibilities and it’s time for integrity-based journalism to promote reputable businesses on their site. Give the people what they want.

Newspapers can deliver local trust better than Yahoo and Google because they live where they eat.

The cold hard truth is that people can’t vet businesses themselves as sites designed to protect consumers like the Better Business Bureau, State and county licensing, and consumer affairs are out of sync and many times significantly misleading. And referrals aren’t always great because disreputable businesses know how to work those systems too

Resource Box Allen Austrot
Mortgage Refinance Leads
Daily Mortgage Market Index
real estate land speculation is a way to get in on a hot investment before a boom hits

There are seven ways to alter the terms of your home mortgage. Learn the details and trade-offs of each in this article and decide which one is right for you.

Refinance What is it? In a mortgage refinance, homeowners essentially take out a new mortgage that replaces their current one. It can be similar to reselling the house back to yourself. The value of your property is assessed, just as it would be if it was going to be placed on the market, and you renegotiates the terms of a new mortgage based on the interest rates of the day.

When Does It Work? When housing prices are high and interest rates are low, which explains why refinancing was so popular from 2002 to 2007.

Why Does It Not Work? When housing prices have fallen to the point where homeowners no longer have any equity in the property. This is why the mortgage refinancing industry, so busy and active 2 years ago, is practically unheard of today.

When accomplished at the right time, refinancing can give homeowners cash in their pocket (if the value of their home increased since they took out their last mortgage), and lower monthly payments (if interest rates have fallen, or their credit rating has increased, since they took out their last mortgage).

Cons: Fees, fees and more fees. Because you’re basically selling your home to yourself, all of the assessment fees, escrow fees and handling fees you paid when you first bought your property still apply.

Repayment Plans What Is It? loan modifications are a great solution to temporary hardship on the part of a homeowner. This solution involves the lender temporarily modifying the terms of a mortgage so that the homeowner can enjoy lower payments in the short-term at the expense of higher payments or longer time periods in the future. It is essentially a case where the lender bets that you, the homeowner, are a good investment; that you are likely to overcome your temporary setback and fulfill your mortgage.

When Does It Work? If a homeowner has a great relationship with a lender, and if the lender itself is on a sound financial footing, repayment plans are the best option for everyone involved. They are revenue neutral for mortgage lenders, and homeowners are usually very happy to endure stricter long-term conditions in exchange for temporarily relief when they need it most.

When Does It Not Work? When lenders are receiving billions of dollars in government bail-outs because they are not financially sound, or when high unemployment makes it unlikely that a homeowner’s hardship will be temporary.

Pros: Least costly option for both the lender and the homeowner.

Cons: Too conditional. The national unemployment rate at its highest point in years and the nationwide financial crisis simply makes it too difficult for mortgage lenders and homeowners to credibly negotiate a repayment plan.

Forbearance What Is It? Forbearance is a temporary suspension of monthly mortgage payments. It is generally used for temporary hardships that are foreseen in advance by homeowners and lenders. Setbacks such as death, divorce, unemployment or illness are widely accepted as temporary hardships by lenders.

When Does It Work? Similar to repayment plans, the forbearance solution is only possible when lenders are financially stable and when are confident that a homeowner’s hardship is temporary.

When Does It Not Work? Again, similar to repayment plans, forbearance agreements are unlikely to be negotiated when lenders themselves are in financial difficulty, and when homeowners are facing a challenging labor market.

Pros: Homeowners do not have to make any mortgage payments for several months, and lenders get to roll the suspended payments into the rest of the mortgage principal and earn higher returns in the future.

Cons: In exchange for a temporary respite, homeowners must pay back a larger sum then their initial mortgage stipulated.

Deed In Lieu Is It?When a homeowner turns over their property to their lender in exchange for (”in lieu of”) aborting their mortgage obligations. This is not the same as “walking away from a mortgage”, which is actually foreclosure. With Deed In Lieu, the lender must agree to take possession of your property in exchange for relieving you of all future mortgage payments.