2003-2006 Republican Congress Vs 2007-2010 Democrat Congress

The economic malaise from which we now suffer was caused by Democrats.

Democrats gave us the sub-prime mortgage crisis and the fierce resistance, to reining in its abuses, leading to the housing collapse, bringing about the collapse of the economy.

All bills for raising revenue (thus spending) must originate in the House of Representatives. Democrats have controlled the House and Senate, since January 2007. Republicans controlled both from 2003 through 2006.

2003-2006 Republican Congress Vs 2007-2010 Democrat Congress

The Bush Tax Cuts Had No Bearing Whatsoever on Today's Recession

-It is Impossible For A Tax Cut To Hurt The U.S. In Any Way, Unless:

-A Nation is UNDER TAXED to meet essential services

-Does any economically literate person believe Americans are under taxed?

2003-2006 Republican Congress Vs. 2007-2010 Democrat Congress

________Unemployment Rate________

Democrat Congress Present Data July 2010--------9.5%

Republican Congress December 2006 Final Month---4.5%

Source: Bureau of Labor Statistics

________Total Number of Unemployed________

Democrat Congress Present Data July 2010-------14.6 Million

Republican Congress December 2006 Final Month---7.0 Million

Source: Bureau of Labor Statistics

Total Deficits Democrats 2007-2010--Republicans 2003-2006

Democrat Congress 4 Yearly Deficits------------ Trillion, 374 Billion

Republican Congress 4 Yearly Deficits----------- Trillion, 356 Billion

Source: Budget of the United States, Office of the President

Increase or Decrease In Revenues To Government

Republican Congress 2003-2006 (+) Plus 0.3 Billion

Democrat Congress 2007 To Present (-) Minus 1.2 Billion

Source: Bureau of Economic Analysis-Dept. of Commerce

Increase in Disposable Income -Inflation Adjusted

Republican Congress December 2003-2006-------20

Democrat Congress 2007-2010------------------$ 427

________Black Unemployment________

Democrats-----July 2010-------15.6%

Republicans----Dec. 2006--------8.4%

Source: Bureau of Labor Statistics

________Hispanic Unemployment________

Democrats----------July 2010--12.1%

Republicans--------Dec. 2006--4.9%

Source: Bureau of Labor Statistics

________Teen Unemployment________

Democrats----------July 2010---26.1%

Republicans--------Dec. 2006---15.2

Source: Bureau of Labor Statistics

-Revenues are Never The Problem in America, Excessive Spending Always is

-America does not need 1 More Penny For Essential Services

-It does need to cut the cost of the federal government as a % of GDP (the national income) from 25% to 16%, over 8 years.

Limiting spending to 16% would pull all that capital back into the private sector, where all net wealth creation and job creation takes place. Per capita income would soar for doing exactly what each worker is doing right now. This exact principle is what gave us soaring growth in the 1990's.

Entitlements/Welfare must be reined in. "All" able bodied men and women must perform a service meaningful to taxpayers as a first requirement to be eligible for welfare. Families must take in and support all welfare recipients in most cases.

________The Bush Tax Cuts________

-Not a single person was hurt or treated unfairly by the Bush Tax Cuts

-The highest percentage cuts went to the lowest bracket taxpayers-33%, the smallest cuts to the highest bracket-12%.

-All "net taxpayers" were helped from the Bush tax cuts, until Democrats took control of congress, in January, 2007

-Every vital area of the economy made strong gains through 2006, the strongest by the lowest income Americans--(CBO Study 1995-2005 )

_Disposable income was 00+ higher, for every man woman and child by December 2006

"It is a paradoxical truth that tax rates are too high and tax revenues are too low and the soundest way to raise the revenues in the long run is to cut the rates now." - President John F Kennedy Dec. 14th 1962

JFK has many quotes, citing free market principles. Every JFK quote is 100% consistent with the Bush tax cuts and are as free market/limited government oriented (or more so) than that of every one of today's Democrats; even more than many Republicans in congress today.

JFK'S quotes are also entirely consistent with the conclusions (along with the actual data) stated in this article.

http://www.wnd.com/news/article.asp?ARTICLE_ID=39517

-Almost immediately after Democrats took control of congress, the economy started slowing, then very quickly tanked.

-Democrat forced legislation, starting with Jimmy Carter's Community Reinvestment Act, then expanded by Bill Clinton, then by threats and shameless intimidation by the Reno Justice Department, using ginned up data, led to the following:

-Democrat spending measures and strong armed support by Democrats to ACORN-led at the time by community activist Barack Obama

-Sub-prime mortgages forced on America by Democrats, ACORN and the Reno Justice department.

-Misuse and corruption of Fannie Mae and Freddie Mac by top Clinton Cronies, Raines, Gorelick, Johnson, etc.

No one boasted more about the great contribution to America of sub-primes, leading to Fannie and Freddie abuses, than Barney Frank and no one did more to block steps to avoid the collapse of the economy caused as a result of Fannie and Freddie's monstrous corruption, than Frank.

Now he's done a 180. Barney Frank has told Larry Kudlow, Fannie and Freddie should be abolished.

________Contrast Barney Frank-Then With Now________

See Barney Frank as early as 2004, praising the success of the sub-prime mess, as fellow Democrats ignore warnings by a federal regulator, even attacking the regulator as he warned the House Banking Commitee (Frank was the Ranking Democrat) as to what appeared to be a coming disaster, which is exactly what we got.

If you go to YouTube and search for Barney Frank, it is easy to find his videos including the one mentioned above. Frank is shown resisting attempts to rein in the whole sub-prime mess, while declaring its huge success, and subtly suggesting the callousness of Republicans. Frank's Democrat underlings, Maxine Waters, Gregory Meeks, Lacy Clay, Arthur Davis cast all kinds of aspersions at the federal regulator.

2003-2006 Republican Congress Vs 2007-2010 Democrat Congress
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Mick McNesby is a former tax adviser, consultant and negotiator. He was a frequent guest on political talk shows in Atlantic City, N.J., discussing the benefits of the lower cost of government. To read the excerpt for his ebook--NEW VOTERS: 10 Political Eye-Openers Crucial To Your Future in 60 Pages--due out in mid to late October, 2012, visit: http://mickmcnesby.com

Paintless Dent Repair: Myths and Facts About Car Dent Repair and Insurance

The long arm of car repair insurance doesn't stop at extended warranties or tire road hazard insurance. Marketing gurus have found all sorts of knick knacks to insure. Among the top are ding and dent protection plans. Ding and dent insurance is growing steadily, and addresses those unsightly shopping cart and parking lot dings.

Dings and dents are fairly synonymous terms, although a ding is smaller than a dent. You'll notice a dent. You'll need to squint, or catch the vehicle in the right angle or sunlight to see a ding. Some dings are smaller than eraser heads.

Like extended warranties or tire insurance, dent and ding protection plans promise to pay for damages in part or in full for a specific period of time. These plans are primarily sold by new car dealerships and cost a few hundred dollars.

Paintless Dent Repair: Myths and Facts About Car Dent Repair and Insurance

Ding and Dent Repair: Paintless Dent Repair

Ding and dent repair is called PDR, short for Paintless Dent Repair. There are many companies that perform this service: Ding Doctor, Ding King, No Dents, Dent Wizard...the list goes on. Some are better then others, although ultimately it's up to the skill of the PDR technician. Prices are similar.

How is it done?

Most PDR techniques are non-intrusive. The PDR technicians use specially designed tools and gadgets to slip behind the damaged panels and manipulate and massage the damaged metal back to its original form.

Does it work?

Actually, it's incredible! It works so well that in the majority of cases the dings and dents are completely removed. They're invisible, gone, can't-believe-your-eyes fixed.

I saw a soccer-ball-sized dent removed from the rear fender of a 0,000 car. The dent also had a large crease, which makes repairs even harder. After thirty minutes there was no visible detection that a dent was ever there. The repair cost the client 0. Traditional body shop estimates were hovering at 00.

PDR positives

Very low cost compared to traditional body shops Same day repairs--even while-you-wait service No paint work, sanding, or traditional bodywork required Original paint remains--helps retain vehicles looks and value Body panels remain intact--maintaining structural integrity
PDR negatives

PDR does not address scratches or paint chips that are often associated with dings (Many PDR companies will address chips and scratches, but it's not PDR technology) Many areas of body panels are not accessible, so PDR is not an option Plastic bumpers or any plastic components can't be fixed with PDR techniques. Since the bumper is the most common area to get damaged, this is a significant downside of PDR technology. Some damage can occur to door panels, paint, interiors, window glass and hardware, although damage of any kind is rare.
Do you need PDR insurance?

God, no!

Should you get your dings fixed using PDR techniques?

Hell, yes!

Let me explain...

Insuring against dings and dents does not make economic sense. Ding repairs average around per ding. Some dings cost to 9 to repair. Two to four dings can run 0 to 0, depending on the size of the dent. Insurance at this level is just not necessary. Moreover, it's a gamble you will lose.

To benefit from a 0, two-year plan, your vehicle would need to sustain multiple "PDR repairable" dings or dents. Despite your coverage, you may not even notice the dings, making a claim impossible. Also, despite the amazing PDR techniques, they can't fix everything, especially the chips and scratches that so frequently accompany a ding--should dings even occur.

Yes, get your dings fixed with PDR (if they're bothering you), but don't buy an insurance plan.

Protection plan economics 101

An article by Terence O'Hara in the Washington Post is a wonderful piece on the insanity of protection plans, and is applicable here. He writes:

The decision to buy an extended warranty...defies the recommendations of economists, consumer advocates and product quality experts, who all warn that the plans rarely benefit consumers and are nearly always a waste of money.

'[Extended warranties and protection plans] make no rational sense,' Harvard economist David Cutler said. 'The implied probability [of an issue] has to be substantially greater than the risk that you can't afford to fix it or replace it. If you're buying a 0 item, for the overwhelming number of consumers that level of spending is not a risk you need to insure under any circumstances.'

...extended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gain. In this case, the gain is all the other things of value that a consumer could buy with the money that was spent on a warranty

Fix your dings

Fix your dings and dents (if you want) as they come--maybe every spring. Fixing dings keeps your car looking pristine, and increases its value. But don't bother with a protection plan. Save your money.

Hold off on that paint job

Quality paintless dent repair is often a great substitute for those considering full paint jobs. Whenever possible, it's best to keep the original paint. Good PDR combined with a professional detail can restore vehicles to show room condition for less than 0.

Go with the best

Since 1983 Dent Wizard has been pioneering PDR technology. Their PDR technicians undergo extensive and ongoing training. The rates are reasonable and the quality is excellent. Always request a master PDR technician, as there are various levels of abilities.

Check with local dealers

Dealerships in your area may offer Dent Wizard. Your vehicle does not have to be of the same make as the dealership. In other words, you can bring your Chevy to a Ford dealer for PDR work.

Myths

Do it yourself paintless dent repair is easy.

No it 's not. It requires training, skill, and experience. There are many who practice PDR techniques who crack or flake the paint, or who create ripples in the metal.

The PDR products sold on TV do the same thing.

No! Not even close. There's no good substitute for the art of PDR.

Scratch and dent repair are the same thing.

No. A ding is a small dent, which can often be repaired via paintless dent repair procedures. A scratch is an actual break in the surface of the clear coat or paint, requiring traditional body shop techniques, or touch up paint.

It's easy to learn how to repair dents on cars.

Maybe for some, but it's a skill that few master. Dent Wizard offers a great training program. The management and staff are top notch.

What's the best car dent removing protection plan?

Money in your bank account!

Paintless Dent Repair: Myths and Facts About Car Dent Repair and Insurance
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RepairTrust
Making Sense of Car Repair Prices

Ted holds extensive certifications from Mercedes-Benz, Toyota, GM, and ASE. Over a twenty-year period in the automotive service industry, he has served as a technician, shop foreman, shop manager, shop owner, service advisor, service manager, and service industry consultant. He is the author of eight books and numerous articles on the automotive service industry.

Other Works by Ted Olson Include: ARREST the Automotive Service Industry! Maintenance Myths: A Step-by-Step Guide to STOP Getting Ripped Off! Auto Repair: The Shocking Truth About Who's Ripping You Off and Why! Automotive Service Pricing Strategies—a fair pricing guide for service centers Being the Best—a comprehensive customer service handbook for service advisors Service Center Personnel—an auto repair informational for general service staff Service Mission Statement—a philosophical proposal to improve customer service

Basic Differences of APA and MLA Formats

Citing your paper in Modern Language Association (MLA) or American Psychological Association (APA) formats depend mostly on the subject you are writing on. Mainly, APA style citations are used to cite writings that have a social science focus: Psychology, Business, the Social Sciences, Economics, Medicine, and Criminal Justice and Law. On the other hand, MLA style citations are used to cite writings that have humanities focus: Literature, Mass Communications, Media Studies, etc.

Basic APA/MLA Differences

1. A paper written in MLA format has the author's name and page number displayed in the top right corner of each page. In APA format, the first few words, usually the first three, of the title with the page number runs on the top, right corner of each page.

Basic Differences of APA and MLA Formats

2. In a MLA formatted paper, the author's name, both first and last name, is spelled out on the bibliography page. In APA, only the last name of the author is spelled out while the first name is an initial.

3. The in-text citation is slightly different. In MLA, the last name of the author and the page number from which the reference was taken is displayed. In APA, the last name and the year of publication are displayed (separated by a comma).

4. The title in MLA and APA style formats has differences in its capitalization. In APA, only the first word of the title is capitalized and in italics. In MLA, all the major words of the title are capitalized.

5. In an MLA formatted paper, there is no abstract required. APA formatted papers does require an abstract.

6. The source page that list the bibliography information is called "Works Cited" in MLA and "References" in APA format. The source page should be the last page of the paper. "Works Cited" and "References" must be centered in both formats.

The differences between MLA and APA citation formats are minor. But writing in either format will ensure that papers are properly cited and the author's chances of plagiarizing are reduced. There are several websites available, via the popular search engines, which give detailed requirements for both APA and MLA style formats.

Over the years, many changes have been made to both formats. When searching for format samples, you must be aware of outdated versions. I have found that by looking for the "Last Updated" dates on web pages, you can reduce your chances of following a version that has been outdated for several years.

Basic Differences of APA and MLA Formats
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Jimmy Walker is the founder of CitePlanet.com [http://www.citeplanet.com], an online database of quality citations from books, periodicals, and electronic sources. Post samples of your work on CitePlanet!

Read Any Good Economics Books Lately?

Okay, so the other day a good friend of my at our Think Tank asks me if I had read any good economic books lately, not a question anyone would generally ask, after all, why would anyone go out of their way to read an economics book? Well, I am one, and the book I recommended to him, is one I would also recommend to you:

"Econopower: How a New Generation of Economists is Transforming the World" by Mark Skousen; Published by John Wiley and Son, Hoboken, NJ; 2008.

This book demonstrates how everything we see, buy, own, do and dream of is indeed governed by economics. Our decisions, our religions, or politics, is all about economics. Education, science, history, law and finance, he show evidence of the reality that economics is the way we do, whether it is about the individual, the leaders, societal changes or the movement of America at a national level. Even more interesting is the fact as the author shows that the US is exporting these ideas, the same ideas initiated by Adam Smith.

Read Any Good Economics Books Lately?

Health Care, Education and even crime all are governed by economic theory in one way or another, perhaps even without reading this book you can understand the similarities through a little thought and understanding. This author takes that and develops it into a deep and interesting researchical study of all we are, all we have built and all we think that we know.

And just to let you know this author is no dummy, he formerly was an analyst for the CIA, wrote for Forbes Magazine, past President of the FEE (foundation for economic education), he also has a PhD in economics from George Washington University. The man has credentials and the information in the book and the thinking and philosophy is extremely interesting and worthy. I recommend this book to anyone.

Read Any Good Economics Books Lately?
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"Lance Winslow" - Lance Winslow's Bio. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/.

The Bottom Line is Usually Below You

You hear it said most often in connection with businesses and budgets:The idea may be good, but you've got to look at the bottom line.

The world of business is proficient at coming up with pithy little adages that seem to justify whatever it is they want to do. "Business is business; the customer is always right; What's good for General Motors is good for the country."

But, if you're reading the bottom line, you'd better be attentive. It's not always what the bottom line shows that counts; sometimes it's what the bottom line doesn't show.

The Bottom Line is Usually Below You

Take polls; polls these days are very scientific. They are taken under precise mathematical formulas that take into account all of the variables, and, if the formula is faithfully followed, you come up with a margin of error of just a few percentage points.

Faithfully following the mathematical formula, however, is not always easy, and can be expensive. It takes purpose, skill and determination to put the numbers together without straying from the goal of achieving truly random numbers.

Even if the poll is successful, the correct interpretation of its results is essential. Often, the simple results of polls are widely misinterpreted, and can sometimes lead to disastrous consequences.

We're probably most familiar with political polls which find one candidate or another as the "favorite" in the upcoming election. But, while pollsters are usually careful to point out that the results merely show a single point of time, the public often takes the results to heart -- and may even be swayed to vote for the candidate who appears to be most popular.

Similarly, the consumer who looks at the "bottom line" when buying cheaper napkins, or an off-brand of ketchup may be led down the primrose path.

A restaurant owner, or chef, who uses inferior products to save "on the bottom line" is in the same soup.

Such decisions are usually, if not always, shortsighted.

When the napkins fail to do the job they're designed to do, and when the cheaper ketchup ruins a fine dinner, the so-called bottom line savings loses its luster.

And when the restaurant owner begins to see more and more empty tables, he may rethink that bottom line savings; unfortunately, he often doesn't like to admit his error and looks instead for a convenient scapegoat.

Offsetting the adages of business are the laws of finance and physics. For instance, the economic law of supply and demand that keeps our financial markets on an even keel, and the laws of physics that say for every action there is a corresponding and equal reaction -- and the old standby of the stock market: What goes up must come down.

The next time you're tempted to look at the bottom line, give the idea a second thought. Don't forget to take into account the subtle, but often critical, affects of any variation in the bottom line.

Take your eyes off the bottom line and look up and smell the roses. Don't take the low road, take the high road.

Lift your sights a little higher; you may find the bottom line is, as it should be, below you.

The Bottom Line is Usually Below You
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I am a retired newspaper reporter and editor having worked for The Hour newspaper of Norwalk, Conn., for 32 years. I am a 1964 graduate of New York University where I majored in journalism and minored in marketing under a public relations program. I served three years in USA Army in Public Information in Germany and Colorado, 1954-57. I currently hold the position of Adjutant with the Veterans of Foreign Wars, Robert F. Garrison Post 3350 in East Rockaway, New York. I am a lifelong fan of Bing Crosby, the greatest singer of the 20th Century and an Oscar-winning movie actor.

I am a hubpages.com author who writes on a wide variety of topics, including politics, government, crime, transportation and entertainment. You will find my opinions and commentary on current events at my new Blog at this address: http://torpeyhour.blogspot.com/ For more of my work, please visit my Profile Page at the following address: http://hubpages.com/_wwft/profile/William+F.+Torpey

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Powerful Reasons To Start A Profitable Online Home Based Business

In the last decade technological advances has allowed people from all walks of life the opportunity to start and build their own profitable home business. And these technological innovations have also made working at home easier and much more feasible. Over 4.5 million entrepreneurs now work at home in the United States alone. These numbers indicate that home based businesses, are a vital part of future economic trends.

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People have begun to rediscover the thrill of working at home, and now look forward to the prospect of combining their career with the possibility of being able to take a more proactive part in raising their children and becoming more involved with their family. But there are still skeptics! Lots of people would love to start their own money making home business but can't seem to grasp the true benefits of working at home. Let's look at a few powerful reasons for starting an online home business.

Personal Freedom

Powerful Reasons To Start A Profitable Online Home Based Business

The most advantageous reason for starting an online home-based business is the opportunity it provides to regain control over your own life. As a home business entrepreneur, you can shape your work life depending on your goals and environment. There are no bosses to give you orders, no corporate lifestyle to emulate and no inflexible work schedules or time clocks. Instead, you have the freedom to work and earn as you choose, in the comfort and convenience of your home. Of course, having the freedom to work when it is convenient to you has its drawbacks so the home business entrepreneur must be a competent time manager and have the ability to plan and execute their own successful work schedule.

Improvement In The Quality Of Family Time

Because of the increasing pressure in today's work place, parents are spending more time at work and less time with their families. This puts continuous pressure on the family unit making it more difficult to get the work versus family balance correct. Perhaps the most powerful motivation driving would be entrepreneurs to start their own home business, is their desire to enhance the quality of their family's life.

Another important advantage to owning a home business is that it allows other family members to become involved with the business. Spouses can help with various aspects of the business, and it provides an opportunity for the children not only to see what their parents do for a living but gives them the opportunity to learn how to earn a living working from home. An online home business offers parents the chance to work and make money, while they take care of their children.

Stress Reduction

Most employees view their jobs as the top stress-relating factor in their lives. While a number of them believe that the incidence and the amount of stress in the workplace has increased tremendously over the past decade. Owning you own home business will reduce the stress of juggling the demands of your work life with those of your private life. You no longer have to worry about how you will care for your sick child and keep your job, and the flip side is that you are more informed as to the whereabouts of your children and know what they are doing when they get home from school. Since you work alone, you only need to follow the deadlines and schedules you have set for yourself. There is no office politics and no boss imposed deadlines.

Control Of Financial Benefits

For a lot of people, the financial benefits of a home business are extremely attractive. You no longer have to wait for the boss to give you a salary increase or a promotion; you determine the size and frequency of the financial rewards you receive. The amount of money you earn is now measured strictly in proportion to your performance. It doesn't matter if your home business is your only means of support or just a secondary source of income; its earning potential now depends on your creativity, determination, and your desire to make it succeed.

With these powerful reasons for starting a profitable online home business, why would anyone want a job?

Powerful Reasons To Start A Profitable Online Home Based Business

Janice Sharman, enjoys helping independent thinkers fulfill their dream of making money online with their own profitable home business. If you can follow 3 easy steps, you can get your own custom website, autoresponder (email follow-up software) and pre-written email marketing campaign professionally designed and installed and ready to pull in profits for you in 24 hours or less! See details here! [http://www.profits4sure.com/3-steps.html]

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What Can You Expect Veneers to Cost?

The importance of attractive and good looking teeth can not be ignored in any way. Your teeth within your mouth are the ambassadors of your personality. Your personality boosts if you have good looking teeth. You can laugh and smile heartily among your friends and in public gatherings. You might have seen various people keeping their hand in front of their mouth when they smile. Actually these people do not want to show their unattractive teeth to others. This definitely gives a bad impression to people sitting around them. You can win the heart of any person with the help of a good smile and good smile is possible only if you have properly shaped teeth in your mouth. The most useful method of solving your all such teeth problems is known as veneer. This is the most safe, secure, and dependable method of teeth treatment. The high cost of dental apparatus and tools have increased the veneers cost.

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It is recommended to go for the treatment of all your improperly shaped teeth, instead of going just for a few improperly shaped teeth. Veneer has no side effect with 100% outcomes. This is the most useful teeth treatment method available in the market.

Your comfort and accurate adjustment of veneer inside your mouth is of great significance. Veneer manufacturing uses the most recent technological advancements. This is the reason behind its expensive cost. Its cost differs from one province to province and from one town to other. So through out the country its cost is different.

What Can You Expect Veneers to Cost?

Porcelain veneers are considered to be the most expensive kind of veneer. This veneers cost is based upon the location from where you order it. For instance in New York its price might be ,200, and in Miami it might cost as much as ,600. It's pretty safe to assume that on average you can expect to pay in the low one thousand dollar range.

You must feel comfortable with your veneer in your mouth. If in case you feel uncomfortable with it, you are suggested to consult your doctor for its proper adjustment. Your veneer must give you the sensation of real teeth. The superiority and quality of veneer must be checked as it can not be bought each and every day.

Always avoid and refrain from less expensive and poor quality veneer as you might find them in the market. Always select the most good looking and the most comfortable veneer, and do not compromise your teeth with the money. It is not always necessary that the most expensive veneer must be of the highest quality.

Every one wants 100% result from the highly expensive items they buy. Similarly, the expensive veneer that you purchase must fulfill all your needs and requirements. It may be noted that improperly positioned veneer might create problems for your upcoming days. So proper adjustment of veneer is extremely important.

To conclude, it is suggested that in order to find the most efficient, the most reliable, the most dependable and the most economical doctor, you need to visit several health centers prior to selecting the best one of them.

What Can You Expect Veneers to Cost?

When you ask yourself that all important question of what do veneers cost make sure that you don't put too much weight on the veneers cost as quality should also be a priority.

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