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How Does Credit Repair And Debt Consolidation Works?

2007-11-24T13:02:00.000-08:00

Even though everyones financial situation is unique, practically all of us have some sort of debt. It might be huge debt like with mortgages and loans or small credit card or department store credit debt. The only way to wind up with debt is as a result of being extended credit. In these financial times we are in it can be difficult to get by without credit. But too often it becomes difficult to pay off the credit and that is when the trouble begins. Once you are late in your payments, your creditors will report this to the credit bureaus and it will affect your credit rating. When you are stuck with a bad credit report, even if you have a good reason such as illness, etc, it will be very difficult for you to get credit in the future when you are back on your feet financially. This means you may not be able to buy a house or a new car on credit. Or, if you are able to get a loan, it will be from a subprime lender who will charge you exorbitant interest fees.

If you have been through a tough spell and now have bad credit, you can undergo credit repair and one way to do this is through debt consolidation.

One thing about bad credit is that it can continue to get worse. It is not a case of having good or bad credit, it is a case of your credit being assigned a numerical value on a scale from good to bad and with each late payment, your credit slips farther into the bad side of the scale. So to repair your credit you need to get your creditors paid up to date as quickly as possible.

Chances are that you dont have the money to do this or you wouldnt be behind in the first place. This is when debt consolidation can be a useful tool for credit repair. You take out a single load which is used to pay off all your other loans. Now all your bills are paid up to date and you just have one monthly payment to make on your new consolidated loan which probably wont be due for thirty days so you have some breathing room to get back on your feet.

You will still owe the same amount of money, but if you arrange your loan to do so, it can be spread over a long enough period that the payments are more manageable. The advantage of a debt consolidation loan is that it can repair your credit quickly and help you get back on your feet financially.

The disadvantage of a debt consolidation loan is that if you dont use it properly it can get you deeper into financial difficulty. There is a saying that you cant borrow your way out of debt and this is very true. You should examine your financial situation carefully and make sure that your situation has improved so that you will be able to handle the payments on your new loan or you could wind up damaging your credit further and making credit repair even more difficult down the road.

Geoff Spencer is a staff writer at http://www.finance-journal.com and is an occasional contributor to several other websites, including http://www.onlinebusinessgazette.com.Trustmark Voluntary Benefit Solutions Insurance Company Upgraded By A M Best Marketwire Via Yahoo
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Internet Marketing: The Five Essential Tools You Need

2007-11-17T20:26:00.000-08:00

Since the rise of the Internet, people have been taking advantage of this technology, they have been using it as a tool for cheap communication, for research in school projects and people have been also using the Internet to start their own business.

Existing businesses have also begun taking advantage of the Internet to promote their products and services. Besides, where else can you find cheap and a very public way to market your products and services?

The Internet today is used by almost everyone in the modern world. It is a very powerful tool that can let you compete with big companies in terms of advertising. Here are five Internet marketing tools that will allow you to market your business products and/or services in the Internet.

-Email account - The first thing you need to have when you want to be successful in Internet marketing is an email account. It is recommended that you should have a large capacity email account that can support large attachments, large storage space and also other features that you won't see in free email accounts. However, there are certain free email accounts that offer large capacity emails. You can consider these email accounts to really make use of your Internet marketing strategy.

-Auto responder - At the beginning of your Internet marketing campaign, you should expect that you would only be receiving limited amounts of email. With these emails, you can handle responding to it one by one. However, if your Internet marketing strategy is working, you will see that you will receive a lot of emails. You will receive inquiries, sales and also complaints. For your business to be successful and also build your reputation, you need to respond to these emails as soon as possible. You don't want to keep people from waiting for your emails. So, in order for you to respond to these emails, you will need an email auto responder.

-List server - Another tool you need is a list server. A list server is an essential management tool for your incoming inquiries, orders, requests and even complaints. A list server is a very effective tool that can send numerous emails all at once. Whether it be promotions of new products and services or other announcements regarding your business, a list server can do the job for you.

-PDF compiler - Time will come that you will need to distribute e-books and other online information products. To do this, you will need to put many of them into PDF format to avoid someone from copying it. There are different PDF compiler software programs available in the market, and most comes with tutorials.

-Website - Of course, to make all of these things work, you need a running website. A website is an effective Internet marketing tool that will allow you to showcase your products and services. You can put a lot of things in your website, such as downloadable e-books, and even short articles that will describe your company, the products or services you're offering and also why people needs your products.

These are the five most essential tools in Internet marketing. So, if you have an existing business or if you plan on starting a business, you can effectively have access to cheap or even free advertising by using the Internet.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.ideacenter.com and http://my-updates.info.Alternative Student Educational Loans Student Funding Group
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3 Ways to Follow-up (In 5 Minutes or Less!)

2007-11-14T17:28:00.000-08:00

It's true. The fortune is in the follow-up.

In an ideal situation, you'd have blocks of uninterrupted time in your schedule to follow-up with prospects and clients. However, as a busy service professional wearing a half dozen hats, this isn't always the case.

But wait!

Reaching out to new contacts and staying in touch with current clients doesn't need to be time consuming. In fact, here are three quick and easy things that you can do today, even if you only have five minutes:

WRITE A THANK YOU NOTE: Keep a few personalized note cards with you at all times and jot a quick "nice to meet you" or "thank you" note while you're on the train, sitting in the doctor's office, or waiting for your next appointment to arrive. Think about it, you can make a lasting impression for the cost of a postage stamp!

PICK UP THE PHONE: Make the most of your recent networking activities by picking up the telephone and calling that potential client or a strategic referral partner you've just met. Invite that person to coffee or lunch, or to an upcoming event. Also, I've found that simply calling to "check-in" on past and current clients not only strengthens my relationship with them, but my call will often prompt them to schedule an appointment or refer a friend to me. Not a bad return on my investment!

SEND THEM SOMETHING OF INTEREST: One of my favorite ways to follow-up with potential clients is to send them something of interest. Something they can really use. For example, this could be an article written by me or someone else, an invitation to an upcoming meeting, or a resource that addresses a specific problem or challenge they may have mentioned to me when we met.

See? You don't need to spend hours in order to stay in touch with your prospects and clients. (Hint: But you DO need to DO IT!)

Who will you reach out to and follow-up with today?

(c) Connie Scholl 2006

Connie Scholl of http://ConnieCoach.com provides self-employed service professionals with simple, effective and low-cost marketing solutions designed to quickly jump-start sales and consistently generate new clients. Get free marketing tips and "how-to-articles" at http://www.conniecoach.com.Get A Low Cost Auto Insuranceinstant Auto Insurance
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Lady Drivers Can Make Savings On Their Car Insurance

2007-11-11T18:25:00.001-08:00

Unfortunately your sex can make a huge difference to the amount of car insurance that you pay. Women drivers while having been the brunt of many jokes, particularity from male drivers, can in fact get cheaper car insurance than men.

Statistics have shown that women are indeed safer drivers than men, this is because women have been proven to make less claims than men do on their insurance. They also usually go for much less flashier cars than men choose, instead going for the more reserved and what is classed as the safer car.

There are many online companies now taking advantage of this fact and as such are offering deals specifically aimed at the women driver. Lady drivers can now search online for companies aimed at them and by doing so they can make huge savings on the amount of premiums they pay for car insurance.

However, there are other factors that determine how cheap you get your car insurance, regardless of your sex. The best, cheapest and quickest way to look for your car insurance is by doing so online. By looking online for your car insurance you are able to get instant quotes from many companies which ensures that you choose the cheapest deal possible.

Policy features and benefits and the cost of car insurance does vary from company to company and all policies have exclusions hidden within them so it is essential that you understand just what is included in the quote.

Other factors which are taken into account include the area in which you live. Depending on your postcode you can be charged a higher premium for your car insurance. While there isn't much you can do to change this you can make sure you have the best security features installed on your car, by doing so you can help to reduce the premium.

Louis Rix is a Director of NetCars (http://www.netcars.co.uk), one of the UK's leading motoring websites. First established in January 2000, its mission is to become the UK's number one site for used car searches and motoring information. NetCars also provide car finance, loans and insurance.Internet Make Making Marketing Money Money Online Site Web
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How To Prepare For A Camping Trip

2007-11-10T09:20:00.001-08:00

Camping is a great outdoor activity that can be enjoyed both by couples, a group of friends or by the entire family. The following are some tips for beginners about how to prepare for their camping trip.

Most first-time campers usually being their foray into camping as tent campers or car campers since all their camping equipment is loaded into their car (instead of an RV). Uppermost on their list of things needed would obviously have to be a tent. They don't have to choose and expensive tent as long as it provides adequate weather protection and shields the campers from natural elements such as the wind, sun, and rain. You also need a secure tent that can keep you away from flies, mosquitoes and other pests. Your tent will also be, in all likelihood, your best place for privacy and where you will store your clothes and camping gear to keep them safe from the weather

Sleeping under the stars can be great sometimes, but sooner or later you will want a tent. The same can be said of sleeping bags. It should have enough padding to cushion you comfortably against the hard ground. Make sure that all the inflatable pads and closed-cell pads are working properly. If you plan to do most of your camping during summer, a lightweight and inexpensive rectangular sleeping bag will do. And don't forget to bring a pillow.

Plan what you will be eating. Experienced campers or backyards chefs will likely have lots of recipes for outdoor cooking. It's also possible to get on simply a cooler of drinks, sandwiches, and snacks.

Thankfully, you can find a grill and picnic table at most public campsites. If grilling is your thing, you will be best-served by bringing a bag of charcoal and a spatula and you'll be ready to cook your steaks, hot dogs, and hamburgers on the grill. For prolonged period of camping or for your next camping trip, you might like to try bringing a propane stove, a skillet and a few pots so that you can expand your cooking choices.

Before you embark on any camping trip, it is best to have a checklist of things to do so that you don't forget anything. Another useful thing to bring along is an experienced camper. You can easily learn everything you need to know from them.

Jonathon Hardcastle writes articles for http://theoutdoorslifestyle.com/ - In addition, Jonathon also writes articles for http://recreationandmore.com/ and http://thetravelinglifestyle.com/.Video Game Reviews Online Game Reviews New Game Reviews
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Achieving Marketing Fitness

2007-11-06T18:10:00.001-08:00

OK, so you want to improve your overall marketing effectiveness. You want to attract more clients, make more money and have a bigger impact in the world. You just know that if you could find that one "miracle strategy," everything would be different.

Sorry, it doesn't work that way.

It's more like this: Imagine someone who is totally out of shape. They eat too much of the wrong things, don't get any exercise, work long hours and, to top it off, have a drinking problem.

Picture our hero coming to a personal trainer and saying: "I want to run a marathon next month. Can you give me the "ultimate strategy" to get into shape? And can you share it with me in just one session? After all I'm in a hurry!

Not gonna happen.

It's a lot like that with marketing. Before you can implement a marketing strategy that will get you positive attention and attract all the clients you need, you must put work into correcting some bad habits and getting back into shape.

And what are these bad habits?

Marketing is all about communication. When your marketing is out of shape, your communication is ineffective. Your potential clients are not getting your message. They don't see what's in it for them and they don't respond or buy.

Yes, you can communicate with more impact.

There are no miracle strategies. You won't be running a marathon in a week. As you work to become a better marketing communicator, you'll slowly but surely build your marketing fitness, flexibility and strength.

Below you'll find the "Seven Areas of Marketing Fitness." Put your mind on improving these and you'll build the foundation of a very strong marketer with plenty of endurance.

"Seven Areas of Marketing Fitness"

1. Your Marketing Message: Is it 100% clear exactly what you are selling, who it's for and what problem it's solving? Is what you offer providing real solutions to vital issues your prospects are struggling with?

"What is it you do again (and who do you do it for)?"

2. Your Web Site: Does it effectively communicate (not only the message but the essence of) what you and your business are about? Sketchy content and amateur design will have visitors clicking off your site in a heartbeat.

"Do you have a website (with information I can understand)?"

3. Your Value. Are you clearly articulating the value and benefits clients get when working with you? Can you express this in terms of an "Ultimate Outcome" that your clients get from you? Do prospects fully understand the impact of this?

"What can I really expect to get if I work with you?"

4. Your Differentiation: Do your services boldly stand out or do they look like what everyone else in your field is offering? What's a complaint no one else has addressed? What can you emphasize that all your competitors have missed?

"What is it that makes you different from everyone else?"

5. Your Packaging: Are you just selling a process (consulting, training), or instead are you providing services that will deliver an outstanding outcome every time? This one change can dramatically alter a prospects' perception of your value.

"What kind of long-term results can I expect?"

6. Your Credibility: Are you making a strong case for your services? Are you proving that you can get the job done? Have you built a portfolio of case studies and testimonials that prove you produce consistent results for your clients?

"Can you help a company like mine (and where's your proof)?"

7. Your Service: Is it easy to reach you? Do you respond quickly? Do you keep your word? Do you provide the information needed? Do you answer the hard questions? Are you pleasant and fun to deal with? Do you make the client a priority?

"Can I reach you when I need you (and will you treat me well)?"

Are you ready to start your marketing communication workout?

Pick one of the marketing communication areas above and create a simple plan to get it back into shape. Do some reading and studying. List some action steps; put it on your calendar and "JUST DO IT!"

Robert Middleton, the owner of Action Plan Marketing, has been helping Independent Professionals be better marketers since 1984. On his web site http://www.ActionPlan.com find valuable resources, products and programs for attracting more clients. Get a free copy of his Marketing Plan Sart-Up Kit.Video Game94 S Xanga Site Weblog Video Game
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Seven Reasons Why Blogging Should Be Part Of Your Marketing Effort

2007-11-05T16:12:00.000-08:00

I started my blog (www.jimestill.com) 18 months ago as an effort to increase communications with my staff but very quickly realized the power of it with my customers and my suppliers. Now I consider my blog to be an integral part of my marketing efforts.

As an active blogger I have come up with seven reasons blogging should be part of any marketing program.

1. Blogs increase communication Anytime you increase communication, you increase profile and sales.

2. Although blogs have been around for awhile, they are still new and topical. People who see that you have a blog will think you are more leading edge. Even if you do not sell technology products, it helps.

3. Owning a blog is like owning a media. Similar to a newspaper, magazine, or a radio station. The advantage of owning a media is that you can say whatever you want where all other media tend to filter what you have to say.

4. You noticed that I said a blog should only part of a marketing program. Blogs on their own tend not to get much readership, rather they have to be crossed promoted so you need to put it on your email tag line, your website, your business cards, etc. People who see your blog address in another media are likely to come to it.

5. Blogging like writing tends to make you an expert. People tend to believe what they read. For this reason you dont want your blog to be totally self-promotional. Add value. Provide information that helps your customer, amuses them, teaches them etc.

6. A blog should have an angle. People dont want to log on and hear some promotional material about you and your company. They want to hear something that is a bit edgy, interesting, humorous, and resonates with them. Although you own a media, you still are in competition with all of the other media available. In my case, I have chosen Time Leadership/CEO as the title of my blog and I blog about personal self-development with a focus on time management and efficiency.

7. Blogging will often get picked up by other media and this added press can help you sell. For example, because I blog I have been featured twice in the Globe and Mail and once in Forbes magazine, as well I have been in our industry trade journals. I have also had many speaking engagements as a direct result of my blog.

Blogging doesnt need to be technically intimidating. Anyone can set up a blog in five minutes. My suggestion is to get an experienced blogger to show you how to start. Or ask your kids.

Blogging is not for everyone. If you want to blog, you need to be willing to dedicate some time and you must enjoy writing. Because I blog about efficiency, I spend a lot of time focusing on my blogging efficiency and I spend less than 20 minutes on each of my blog entries. I do four or five a week; so I spend less than two hours a week on my blog.

I have received some direct sales as a result of my blog. I know from the feedback I have received that many of my customers and suppliers read it.

Blogging is one part of the marketing program.

Jim Estill started his business from the trunk of his car and grew into to $375 Million in sales before selling it to SYNNEX. He is now CEO of SYNNEX Canada a $1 Billion computer wholesaler. he is a regular blogger at http://jimestill.com.Make Money On Internet Real Estate
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Health Benefits for Americans Part 1 - Is Consumer Driven Health the Answer?

2007-11-03T19:01:00.000-07:00

Lewis Gregory suffered a heart attack two years ago that left the family mired in debt.

"We have absolutely no way to even dream of paying $125,000," he said.

Lewis's story has become more and more common in the US. Fifteen percent of Americans do not have health benefits. And of that number, as many as 80 percent have at least one parent working full-time. They make too much money to qualify for government-sponsored health plans, but not enough to pay for private healthcare. And more still are turned down by health insurance companies because of age limits or ongoing medical conditions.

I won't try to list all the reasons that the US healthcare system leaves so many of its citizens without healthcare. But the fact is that more and more Americans are going to bed each night without adequate health benefits or without healthcare at all. And as recently as 2005, the White House proposed $10 billion in cuts to Medicaid.

Is there a solution in sight?

Well, there just might be. And it comes in the form of Consumer Drive Health benefits programs (CDH). In some ways it operates like any business in a capitalistic society. The healthcare provider with the most reasonable rates and best quality of service gets the most business. Those doctors who are too expensive or don't meet their patients' needs, don't get customers. But there's a twist. With CDH, the consumer has the power of a network of other consumers to help negotiate the most reasonable price possible.

Sounding a bit like an HMO? Consumer Driven Health programs are not HMOs or any other kind of insurance. The biggest difference is that the patient and the doctor-not the insurance company-decide what treatment the patient will receive, based on whatever criteria matters most to the patient.

And there's another BIG difference. With Consumer Driven Health there are: - No waiting periods - No deductibles - No claims forms - No age limits - No ongoing medical problems exclusions - No hassles

That's not all. With Consumer Driven Health benefits, the customer receives many services that insurance companies and Medicare/Medicaid do not allow, including vision, dental, orthodontic, chiropractic, and even cosmetic surgery!

If this sounds too good to be true, think again. Consumer Driven Health is set up to be successful. They provide reasonable rates, and quality products and services. But the most important thing is that Consumer Driven Health programs provide a reasonable alternative to a health benefits system that isn't working for a large number of Americans.

Jim Martinez is a National Sales Director for AmeriPlan USA, offering discount health benefits programs that include ongoing medical conditions, starting at just $49.95 per month. For more information on AmeriPlan Health, Dental, Vision, Prescription and Chiropractic Benefits and more health related articles, visit http://www.familydentalhealthplans.com.Make Money Fast And Easy
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Molybdenum Expert Predicts Shortages Ahead

2007-11-01T10:39:00.001-07:00

If one believes the forecasts recently made by Terry Adams of UK-based Adams Metals and the Albemarle Corporation (NYSE: ALB), then the escalating demand for molybdenum products could impact the stainless steel business of POSCO (NYSE: PKX). The Korean-based steelmaker, with about 6.5 percent of sales coming from stainless steel, is the worlds fourth or fifth largest, depending upon production or market capitalization.

According to the companys 2006 annual report, POSCO exports more than 70 percent of its steel products across Asia, mainly to China, Japan and southeastern Asia. In response to record high nickel prices, the steelmaker announced it would begin manufacturing nickel-free stainless steels. So did European steelmakers ThyssenKrupp and Outokumpu, which has heavily relied on its austenitic products.

Would a sustained rally in the moly price result in the same backlash nickel recently suffered? Unfortunately for steelmakers, molybdenum has a broader range of applications than nickel.

At a recent industry conference, Terry Adams shocked his audience by warning of potential supply/demand imbalances commencing as early as 2011. He believes by 2015, the molybdenum price could get interesting.?

But, this wasnt the first sign of brewing trouble for molybdenum buyers. In early May, one trader told American Metal Market magazine, We just dont have any supply available.?He lamented that primary moly producers, also known as swing producers, have nothing to sell right now.?

On June 18th, China is expected to announce the export quotas for molybdenum products it has assigned to a limited number of exporters. Potential labor disputes at copper mines in Mexico and Chile could further reduce available molybdenum supply later in June. A Chilean labor spokesman warned of a hard and prolonged strike.?Molybdenum mined as a byproduct of copper production accounts for about 60 percent of the global supply.

At this pace, molybdenum pricing could be severely impacted as early as this summer. By next year, if primary molybdenum production doesnt quickly rise to meet the demand, the pricing climate could worsen for end-users. Some traders believe moly prices could soon creep above previous price peaks two years ago. Things are going to get a lot firmer because theres a lack of material,?one trader reported earlier this week. Theres not a lot on the ground.?

According to different down-the-road forecasts, the magic demand number is 460 million pounds of molybdenum. Adams predicts that projected western world demand could reach this consumption by 2015. Others believe strong moly demand could bring this target consumption a few years earlier.

Another concern is one we highlighted in a previous article.
http://stockinterview.com/News/11082006/Roasting-molybdenum.html USGS molybdenum commodity specialist Michael Magyar warned of a bottleneck, ? we cant roast much more moly right now. No one is actively permitting for more roasting capacity in North America.

Additional roasting capacity is, however, coming online this year or next, courtesy of Molymet. Adams points out, With the growth in demand a new roaster, the size of the new Molymet roaster is needed every two years.?Adams further explained, Without further investment a roaster bottleneck could occur in 2011. Molymet plans another roaster about this time, but this would only allow another two years growth.?

In his presentation, Adams glimpsed in the future. While western world demand should continue to annually increase by three percent, demand in China and the C.I.S. could increase by more than 10 percent every year. The combined global effect would be an annual growth rate of about 4.5 percent,?he predicted. Western mines will have to increase production by at least 6 percent per annum.?

As we and others have concluded, Adams forecast, Increased output at primary (moly) mines will be needed to fill the gap beyond 2009.?

We presume delegates from the junior molybdenum mining attendees mentally began popping champagne corks after Adams announced this point. But it was his next two points which investors should digest:

* New or shuttered primary mines will have to open by 2011
* By 2013, current primary mines and Climax could be at capacity

High-Level Growth in the Molybdenum Chemical Market

Having researched molybdenum for more than one year, only recently did a couple of technical experts ( http://stockinterview.com/News/06042007/molybdenum-copper-nickel-condenser-crossover.html ) help us understand how much molybdenum is utilized in the condenser tubes of nuclear and desalination plants. Because of the diversified applications for this metal, there is less reliable information about the molybdenum sector than in others weve explored, e.g. uranium.

We continue to gather data for our next publication, Investing in the Great Molybdenum Bull Market,?and will present our detailed research in late August.

We have discovered two strong-growth areas for molybdenum applications.

Its not just the steel market which uses molybdenum. Although the stainless and low alloy markets represent about two-thirds of molybdenum usage, the fastest growing market appears to be catalysts in the moly chemical market.

According to a spokesman for the Albemarle Corporation, moly consumption in the catalyst section could grow by more than 30 percent by 2011. The chemical sector could consume as much as 30 million more pounds in the 2006 to 2011 time period.

The global catalyst market is expected to reach US$13 billion in sales this year. Of this the petroleum refining sector should consume about 35 million pounds of molybdenum. The moly is used as a hydroprocessing (HPC) catalyst.

Growing global demand for crude oil, changing fuel specifications and strength in demand for aviation and diesel fuel should contribute to molybdenum demand.

Because the overall quality of crude oil has significantly deteriorated, over the past 25 years, more molybdenum could be consumed as a catalyst during the refinery process. Sulfur content in U.S.-imported oil has doubled over this same time period. Molybdenum-based catalysts are utilized to remove sulfur from petroleum, petrochemicals and coal-derived liquids

Tighter specs over the past 15 years have demanded a higher performing catalyst and more contained molybdenum in those catalysts. Over this time frame, catalyst demand per barrel of crude oil has doubled ?an average growth rate of five percent per year.

One industry expert expects global HPC catalyst growth to annually increase by eight percent between 2006 and 2010. Molybdenum consumption for this use could increase by 46 percent through 2010. Annual consumption could rise to more than 60 million pounds of molybdenum.

Lack of New Primary Mining Supply

The typical molybdenum concentrates being sold by the copper producers, as byproduct mining, contain 40 ?45 percent Mo. Concentrates from primary producers often average 50 ?55 percent.

As a result, primary molybdenum mining operations offer a more desirable concentrate. Technical moly, also known Mo03 (molybdenum trioxide) specifies 57 percent Mo and contains less than 0.05 percent copper and 0.1 percent sulfur. Primary molybdenum producers provide concentrates with lesser amounts of deleterious elements.

Because the concentrate is cleaner,?less roasting is required to upgrade the material to tech oxide spec. Less electricity is expended to power the multi-hearth furnaces during the roasting process. The cleaner primary moly concentrate offers the roaster more flexibility. The higher spec concentrates can be blended with lower spec concentrates to upgrade the overall product, or the roaster can refine the higher spec material separately if the end-user requires it.

The less roasting to bring material up to spec could also help avoid the bottlenecks a few years from now.

Although byproduct molybdenum producers are expected to bear the brunt of increased demand, the copper producers arent cooperating. Codelcos molybdenum production dropped by 25 percent in 2006 to 60 million pounds this past year. Moly production could drop another 15 percent or more this year.

Because of the recent molybdenum price revival, dozens of exploration companies have suddenly?become molybdenum companies. There are scarce few with a potentially viable project.

Those primary molybdenum producers and future producers weve been monitoring appear to be moving their projects forward.

Thompson Creek is Thompson Creek. This has emerged as the primary?primary player in North America while the world waits for Climax to come online again. Some believe the companys Davidson moly deposit in British Columbia may not arrive on the companys timetable. If so, then this could further pressure the moly price.

Roca Mines should become a producer during July. But, this company also hopes to expand its operations deeper and should also commence those exploration efforts this summer. In the interim, the high-grade molybdenum found at the companys MAX mine should become a cash cow in the third and fourth quarters of this year. And for several years forward. Although the company is not yet in production, there appears to be no scarcity of molybdenum traders clamoring for the companys future production. Another indication of a tight market.

Last month, Adanac Molybdenum Corp ordered its long-lead time equipment for the construction of its mining and milling complex at Ruby Creek. Expenditures totaled nearly C$40 million, for which the company has made its down payments. Also, some time this summer, Adanac should finally receive its permits and commence construction. While the company boasts of 220 million pounds of molybdenum, a recent chat with Adanac consultant Ken Reser suggests Ruby Creek have more pounds than was previously thought. Ongoing drilling results could later confirm this speculation.

We continue to watch United Bolero as a promising development company in Montana. We were told drilling at Bald Butte began over the weekend to upgrade the resource category. Hopefully, the drilling program will also move to its nearby Cannivan Gulch property. Historically, but not technically documented, major miners, who worked these properties in the previous moly cycle, estimated the companys properties could host more than 400 million pounds of molybdenum.

Primary producers, such as these and possibly others, is what molybdenum end-users are depending upon to meet their needs as we approach 2009, 2010 and beyond.

Over the course of this summer, well further study other potential near-term producers, such as Moly Mines and others.

Conclusion

Many in the industry have warned us about the potential increase of moly dumping?by the Chinese. Historically, China has helped chill out molybdenum prices in the past. According to Adams, as noted earlier in this article, China could become less of a factor.

Fundamentally, this should not be a concern. Typically, a country is indirectly focused on the background of its leading politician. In Chinas case, the eight members of the Politburo Standing Committee ?Chinas most powerful politicians ?are all engineers. All are graduates of engineering or technology schools.

Chinas president was trained as a hydraulics engineer. The premier is a geologist, who also has a degree as a mining engineer. The former vice-premier was trained as an electrical engineer, as was the propaganda?chief. The Secretary of Political and Legislative Affairs was trained as a metallurgist. Others hold degrees in thermal engineering, radio electronics or electronic motor design.

Engineers like to build things. China has embarked on the greatest industrialization period in history, dwarfing the construction of infrastructure of the late 19th century in Europe and North America. Because molybdenums applications include architecture, energy, petroleum refinement, coal conversion, chemicals and other industrial applications, we would not be surprised if China soon announces the strategic?importance of molybdenum (as it has uranium) and stops all exports.

Molybdenum also plays a strong role in numerous and diverse military applications. Globally, military spending reached $1.2 trillion last year. In 2006, China surpassed Japan as the largest military spender in Asia. The U.S. Pentagon estimates China could be spending up to US$125 billion this year. At least ten varieties of ballistic missiles are deployed or in development. Our preliminary research into this subject confirms the large percentage amount of molybdenum utilized in missiles. In some applications, the moly content is greater than 20 percent.

In summary, every time we delve into a new area to investigate demand for the molybdenum application, we find growth. Strong demand could surprise many stock and industry analysts over the next decade. In the meanwhile, more primary molybdenum producers need to come forward. Unlike some, we dont believe the molybdenum story has yet been fully revealed. This summer, we hope to make the molybdenum market more transparent ?both on the demand side and the supply side.

COPYRIGHT © 2007 by http://StockInterview.com

James Finch contributes to http://StockInterview.com and other publications. He has contributed to the widely popular Investing in the Great Uranium Bull Market,?and Uranium Outlook 2007 - 2008.?His recent work, Investing in Chinas Energy Crisis,?is now available at http://bookstore.stockinterview.com/Anger Management Self Help Books On Anger And Anger Management
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Easy Low Cost Finance Ensured on Opting for Secured Home Improvement Loan

2007-10-31T14:09:00.000-07:00

Taking a loan is easier these days when there is no dearth of lenders. It is the cost of the loan that counts a lot in well being of the borrower. Secured home improvement loan therefore is best suited for people who live on a limited budget and need to spare money for other expenses. Though one borrows secured home improvement loan mainly for renovation of home but the loan at the same time can be utilized for meeting various other expenses also.

Secured home improvement loan is given to borrowers on providing collateral to the lender. Any property like home, vehicle, jewelry, valuable papers etc serves well the function of collateral. Borrowers should note that greater loan and other terms-conditions including bargaining for reduced interest rate depend a lot on collateral. In case greater loan is the requirement, lenders seek high value collateral like home because generally it has higher equity in it which secures the loan more.

Lenders usually provide secured home improvement loan in the range of ?000 to ?0000. They will go for evaluating equity in the collateral if greater loan is to be offered. The loan is given at lower interest rate because of its secured nature. With little efforts interest rate can be brought down. To do so first ask for the loan amount that is below the equity. If you boast of sound financial standing or a good income source, lenders will readily offer reduced interest rate. The loan is given for a convenient repayment period ranging from 5 to 30 years. The borrower thus can chose duration of paying back the loan as per his repaying capacity. If he needs to save money for other expenses, larger repayment term is preferred as outgo towards monthly installments is reduced.

Bad credit is no hurdle in getting secured home improvement loan as the loan is already well secured through collateral. So people who have faced CCJs or bankruptcy should apply for the loan without hesitation. However a good credit is always a plus point in taking loan at better terms. It would be wise if easy debts are paid and as a result some improvement is shown on credit score, before rushing to the lender.

In order to avail secured home improvement loan at low cost, the loan should preferably be applied online. This way numerous loan offers come your way and you can choose suitable package containing lowest possible interest rate.

Secured home improvement loan goes a long way in making you financial stronger as you complete necessary work at low cost. Make sure to pay off the loan in time to avoid incurring of debts.

Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for loans website UKfinanceworld.For any type of loans, Uk bad credit loans, personal loans, unsecured loans, secured loans, debt consolidation loan, mortgage, remortgage in UK please visit http://www.ukfinanceworld.co.uk casino guide
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7 New Video Slot Machine Games from Microgaming

2007-10-29T16:44:00.000-07:00

Slot machines are the most popular form of casino entertainment, both at land-based casinos and on Internet gambling sites. Microgaming, the major software provider for the online gambling industry, has launched over 50 new slot machine games over the past two years. Each of these 5-reel video slots has its own unique theme, ranging from secret potions to Japanese dining. This article summarizes 7 of these new slot games, including Chain Mail, Dog Father, Flying Circus, Ho Ho Ho, Muchos Grande, Wasabi San, and What On Earth.

Chain Mail is a 5-reel, 20 pay-line video slot machine with a food theme. Chain Mail is a mouthwatering world of pizza, chocolate, king cones, chicken, and kebabs. Two or more Chain Mail symbols on the pay-line create winning combinations. Two symbols pay out $4, three symbols pay out $60, four symbols pay out $1,200, and all five Chain Mail symbols pay out $6,000.

Welcome to the doggie underworld! Dog Father is a 5-reel, 20 pay-line video slot about a tough bulldog who likes expensive cigars and a flashy lifestyle. Dog Father is where you will meet characters like Itchy da Flea, who activates the Free Spins Bonus feature. Play your slots right at Dog Father and you could win a whopping $97,500.

The circus has come to town! Flying Circus is a 5-reel, 20 pay-line video slot about the Big Top. Flying Circus is where you will meet the dapper Ringmaster, Tanya the Trapeze Temptress, Coco the Clown, and lots of elephants and lions. Place a maximum bet at the Flying Circus and you could win a respectable 200,000 coins.

Ho Ho Ho is a 5-reel, 15 pay-line video slot with a Christmas theme. Ho Ho Ho is a festive world of Santa, Rudolph the Red-Nosed Reindeer, Christmas trees, sleighs, eggnog, cookies, and candy canes. Two or more Santa symbols on the pay-line create winning combinations. Two symbols pay out $5, three symbols pay out $50, four symbols pay out $1,000, and all five Santa symbols pay out $15,000.

Muchos Grande is a 5-reel, 15 pay-line video slot with a Mexican theme. Muchos Grande is a comic world of hot peppers, egg plants, avocados, chili, rattlesnakes, and a nutty donkey. Two or more Gold Coin symbols on the pay-line create winning combinations. Two symbols pay out $4, three symbols pay out $120, four symbols pay out $1,200, and all five Gold Coin symbols pay out $9,000.

Wasabi San is a 5-reel, 15 pay-line video slot with a Japanese dining theme. Wasabi San is an exquisitely delicious world of "Sue Shi," sake, California handrolls, tuna makis, and salmon roes. Two or more Sushi Chef symbols on the pay-line create winning combinations. Two symbols pay out $5, three symbols pay out $200, four symbols pay out $2,000, and all five Sushi Chef symbols pay out $7,500.

What On Earth is a 5-reel, 9 pay-line video slot with an extra terrestrial theme. What On Earth is filled with asteroids, flying saucers, rockets, and cherry comets. One or more What On Earth symbols on the pay-line create winning combinations. One symbol pays out $4, two symbols pay out $20, three symbols pay out $200, four symbols pay out $1,000, and all five What On Earth symbols pay out $7,500.

To win any of the big jackpots above, you need to place the maximum bet. However, the maximum bet on a particular slot machine can be $400 or more. Therefore, it is important that you decide beforehand how much you wish to spend at a casino. Don't exceed your spending limit should you lose, and always quit while you are ahead.

Gregory DeVictor is a consultant who has been developing and marketing web sites since 1999. You can learn more about slot machines at: http://www.Slot-Machines.name.Day Make Money Online Trading
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Three New Ways to Improve Your Internet Marketing

2007-10-22T09:34:00.001-07:00

It's been a little over a decade since I was first introduced to the internet. I can remember how slow small businesses were to adapting the new idea of marketing their products and services in a way they never had seen before. Even for some larger corporations, it took awhile for them to accept the new concept of e-commerce. I guess no matter how profitable an idea maybe, it still will take a couple of years before the larger population can become comfortable with it. Ironically, I find small businesses are in the exact same place they were 15 years ago as an affiliate with VM Direct.

VM Direct - a streaming video company out of Las Vegas, Nevada. VM Direct, is a streaming media service provider offering web-based technology services: Video email, blogging, video instant messaging, podcasting, and live broadcasting. Their all-in-one media packages start as low as $9.95 per month.

Over the Thanksgiving weekend, I had a few hours of free time to dive into the achieves of VM Direct's weekly newsletters. As a new affiliate, I wanted to learn more about how other VM Direct affiliates are using the products as marketing tools for their small business. Immediately, it became apparent how a small business can take advantage of this new technology and have a competitive edge over their competition by simply implementing streaming video into their current marketing plan.

Video Email

Word-of-mouth advertising is the least expensive marketing tool a business can use in marketing. What better way to get people talking about your business than to use the latest technology like video email? Let's imagine for a moment, that you meet someone at a business networking event. After a few minutes of small talk, both of you exchange business cards. Monday morning, you put your new contact information into your database. However, rather than making a typical follow-up phone call, you decide to send a quick video email expressing how much of a pleasure it was meeting them, and how you look forward to calling them later in the week. What type of impression do you think that email will leave with that new contact? During the course of their day, they might receive a few dozen emails. However, which one do you think they might remember? Could the impression from your new form of communication be so strong that they will forward your video message to someone else in the company, creating a bit of viral marketing for you along the way?

VM Direct web-based video email application incorporates a custom design function for its subscribers. There are three places which users can put their own advertisements; the header, the card, and the footer. Both the header and footer act as banners which are positioned above and below the video screen. The card acts as a business card where subscribers can advertise a simple message. Users can easily upload their custom graphics and have readers click on the graphic icon to open up another webpage of their choice.

Video Newsletters

Successful businesses, both small and large, understand the power of having a database list. Rather than sending a two-page newsletter to opt-in subscribers, the sender can have messages sent to every subscriber in a new, refreshing email format. Think of it as having your own "60 Minutes" weekly television show. How many of your competitors has their own weekly video show?

Personally, I still have a number of email newsletters I've yet to open. Many of those email newsletters have given up hope themselves, as they wait for me eventually open or delete them. Shamefully to say, some date back as far as four years ago. I keep promising myself that I'll get to them one day. I can honestly say, I've yet to let a video email I've received go unopened.

Live Broadcasting

Incorporating live broadcast into your marketing, opens up an untapped realm of possibilities. I didn't know the many applications in which it could be used until I watched some of the live broadcasts that were created by Razor Stream's Chairman of the Board, Richard Kall. Every Tuesday, Richard Kall broadcast his show live over the internet called, "Summer Chat with Richard Kall." For about 30 minutes, from his home-office in Las Vegas, he offers words of encouragement to new affiliates that have recently joined VM Direct family, and shares his insights on building a home-based business from his years of experience in the network marketing industry. People from all around the world can log onto the broadcast, even if they are not an affiliate with VM Direct. At the moment, I happen to be watching a video Richard Kall recorded on November 11th, 2006. All live broadcasts can be achieved. So whatever time subscribers broadcast their live show, it's easily accessible for others viewers to later watch if their scheduled didn't permit them to catch it live.

We've come along way from being habitues of those now antiquated bulletin board services. We've become comfortable with instant messaging and text messaging. As the advancement of new technology continues, I imagine that one day cellphone users will have streaming video coming into their cellphones. I am just as confident that small businesses owner will eventually start to take advantage of the applications and uses of streaming video as more and more companies start using it to market their own products and services. I only hope they get to use it before their competition does.

Article written by Eric P. Martin. Copyright 2006. All rights reserved. Eric P. Martin is currently a part-time, pre-journalism college student at Harold Washington College in Chicago, Il. He's also an affiliate with VM Direct. To learn more about VM Direct services or business opportunity. please visit http://www.chicagovideoemail.com or contact via email at epm1013@helloworld.com for a example presentation of the video email application. Adsense Adsense Adsense Google Make Money Profit
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List Building's 5 Utmost Winning Strategy for Keeping Your Prospects

2007-10-21T17:43:00.000-07:00

Maybe at this point, you have already generated page views and more people are visiting you. But that is not the end of the business. You still would not be able to sit back, relax and wait for the money to come at this stage. Most of the successful internet marketers of today are actually laboring to maintain their prospects by following up on them.

If you are low on follow up, then you better shape up and try the following techniques which can transform you form aspiring internet marketer to the next Cody Moya.

Have an Ezine or Webzine

Ezine's success is due to the fact that they have established themselves as experts in a field by means of sustaining viewers with updated articles that contains valuable information and insights.

The ezine is material directly mailed to the prospects, while the webzine consists of links that are emailed to the prospects. When a prospect clicks on the link in a webzine, it leads to your website.

An Ezine and Webzine make you unforgettable to the prospects. If you are constantly sending them useful material, you will be able to establish a reputation for that.

Update or Maintain an Announcement List

If you find maintaining an Ezine or Webzine too taxing for you, then the next best thing would be to update or keep an announcement list. If you have important events or updates with regard to your business, you can use your announcement list to get your prospects directly involved with what you do.

If you are able to update and maintain your announcement list frequently, you will be able to whet your prospects' appetites and you will render them with an expectation that you will always come up with something good and new. The challenge that partners this privilege is for you to sustain that expectation and keep everything in top condition.

Make it short and sweet with Weekly Tips

Perhaps you hate making announcements, and you do not have the patience nor time to be able to create an Ezine or Webzine. You still have an option to follow up by means of sweet and short messages, kind of like an equivalent of an offline mini-note that says hi regularly.

Weekly tips are quite useful. They take up little time to set up, and you will be assured that 99.9% of your subscribers will read it because it will take less than a minute to do so.

Broadcast Via Podcast

Podcast is truly a common thing these days. If you podcast, you get to follow up so much more people, and you actually give them the ability to keep themselves updated on you even while they are on the go. A podcast is simply something that can be stored as mp3 form, an audio that they can listen to over and over again.

Blog it

The blogosphere is one of the best markets to go to. You will find all kinds of consumers in the different blogs that come in various shapes and sizes. As you form your blog, you make yourself more accessible, you have something that readers will continually visit your site for, and they will be abreast with all the updates you will be making in your business.

A blog is very useful. While most people use it for personal reasons, you can harness the blog to create influence and improve your status as an internet marketer.

Joel Chritopher is known worldwide as the MasterlistBuilder who can help you generate leads and increase you profits. Find out more at http://www.masterlistbuilder.com Home Internet Make Money Ways
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Protecting Your Property - Property Insurance Is A Must

2007-10-20T21:49:00.000-07:00

Protecting Your Home

Homeowner insurance is a must, of course, if you own your home. All homeowners realize that, but it's not always easy to determine the right dollar amount of homeowner insurance you should have for adequate protection.

Homeowner Insurance is designed to offer you the financial wherewithal to rebuild if you're faced with natural or other disaster such as fire, flood, hurricane, tornado, earthquake or terrorism. Unfortunately all too often homeowner policyholders realize far too late that they haven't adequate homeowner insurance coverage to help them get back to their customary way of life.

If you have homeowner insurance, renters insurance, or insurance on your condominium that doesn't necessarily mean that you're fully protected from any unforeseen disaster or tragedy. Though the percentage varies by study, third party research reports have determined that between half and three fourths of homeowners in the U.S. have underinsured their primary residence.

You should periodically meet with your homeowner insurance agent and review your homeowner policy, taking into consideration the current replacement value of your home and the goods and property covered under your policy. Since you first purchased your homeowner insurance, your requirements for coverage might have changed, the value of your home most probably has increased in value, or you might have made significant purchases and improvements that now need to be added to your homeowner coverage.

Your homeowner insurance policy does add a small annual inflation cost to the policy which, all things being the same, would be adequate. If, however, you've remodeled, reheated, added on a deck , patio or pool, or refinished your attic or basement, your house will have realized a significant value increase. You'll almost certainly need a new assessment so that should a disaster occur you can replace what you've lost.

Should disaster such as tornado, floor or fire befall your home, your homeowner policy could have a ceiling on the dollar figure they will reimburse you. A homeowner general casualty policy, for example, that is endorsed to replace the cost of the building, the insurance carrier is pledged to pay up to 125 percent of the home's valuation. If, in this example, the house is insured at $200,000, the homeowner policy will reimburse the homeowner $250,000. If you've underinsured your home you may end up holding the bag for the remainder of the replacement costs.

If your home is a costly upscale property you may want to think about a homeowner policy feature that guarantees coverage up to home replacement value. Many insurance firms offer this upscale homeowner policy feature.

Consider too that while your home may not have increased in value beyond the automatically inflated homeowner policy valuation your possessions may well have done so. You may have added expensive electronics or furs, or may have high value personal items whose value increases with age, such as jewelry, and coin or stamp collections.

One important money saving factor in the cost of your homeowner policy is that most insurance carriers give 2 to 15 percent discounts on homeowner safety and security equipment and products such as dead bolts, grates on windows, and smoke or burglar alarms. Securing your home, however, must take personal safety into consideration. What you don't want to do is develop such a homeowner fortress that you cannot escape in the event of a fire or another in-home emergency.

Burglars are most likely to avoid your home however, if you light it up, if breaking into your home is time consuming or noisy. In fact, homeowner research has proven that burglars do not attempt to break into houses that would take them more than five minutes to enter.

Robert Michael is a writer for Domus Property which is an excellent place to find Property links, resources and articles. For more information go to: http://www.domusproperty.com Credit Easy Make Money Online Ways
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National Health Insurance In America, Part 2

2007-10-19T16:23:00.000-07:00

So why don't we have National Health Insurance In America

The political will has not gained momentum on this issue due to AMA propaganda that continues to cast doubt in the public mind concerning the success of such a plan. The first misgiving usually offered is that our country cannot afford to pay for comprehensive care for everyone.

Every other industrialized nation provides comprehensive care to all at a much lower cost than our system which leaves so many people out. Other nations spend 6-10 percent of their Gross Domestic Product, or GDP, whereas we, the wealthiest nation on earth, spend 14 % of our GDP.

Our country already has enough funds dedicated to health care to provide the highest quality of care for everyone. Studies conducted by the Congressional Budget Office, the General Accounting Office, the Lewin Group and Boston University School of Public Health have shown that under a single payer system, comprehensive care can be provided for everyone without spending any more funds than are now being spent.

There has been considerable publicity about the delays in receiving elective services that are characteristic of other nations, especially the United Kingdom and Canada. At 6% and 9% of their GDP, respectively, they are spending much less than we are as a nation.

Not only do we have more than sufficient funds, we are also a nation that is infamous for our excess health care capacity. Typical of these excesses is the fact that there are more MRI scanners in Orange County, CA than in all of Canada.

With our generous funding and the tremendous capacity of our health care delivery system, the delays would not be a significant limiting factor in the U.S.

"Americans do not want socialized medicine," is a phrase that is frequently used glibly to dismiss the single payer concept. Socialized medicine is a system in which the government owns the facilities, and the providers of care are government employees.

In sharp contrast, a single payer system uses the existing private and public sector health care delivery systems, preserving private ownership and employment. The unique feature of a single payer system is that all health care risks are placed in a universal risk pool, covering everyone. The pool is funded in a fair and equitable manner so that everyone pays their fair share in taxes, unlike our current defective system in which some pay far too much while others are not paying their share. The funds are allocated through a publically administered program resulting in optimum use of our health care dollars.

A single payer system has no more in common with socialized medicine than our current Medicare program.

Many contend that government bureaucracies are very wasteful compared with the efficiencies of the private market place. In the health care arena, this has not been true. Our Medicare program, a publicly administered program, operates on an administrative cost of less than 2%. The managed care intermediaries consume 9 to 30% of the health care dollar.

This difference is due to large corporate administrations, costs involved with competition between companies and marketing expenses that would be nonexistent in a public program. A single payer system has as its mission the optimization of resources for better patient care. Funds are not wasted on corporate administrative excesses.

Another argument is that a single payer system, by being universal, would lower the standard of care to a level of mediocrity for everyone, preventing the affluent from exercising her/his option to obtain the highest level of care.

However, our current system is characterized by essentially two alternatives: either no insurance with severely impaired access to even a mediocre level of care, or being insured by a managed care industry that has whittled down what is available until mediocrity has become the standard of care. Only the relatively affluent have access to unlimited care.

The generous level of funds that we have already dedicated to health care, adding to this a more efficient administration with an exclusive mission of optimum patient care well above the mediocrity that we now have, lays the foundation for a universal health care system in America.

A single payer system does not preclude the affluent from paying, outside the system, for a penthouse suite in the hospital, or for cosmetic surgery or for any other service that should not be part of a publicly funded program.

Other than the assurance that everyone would have coverage for health, there is even a greater good that a single payer system would bring to our nation: Making preventative and public health services available to everyone would improve the level of health of this country. Reduction of communicable diseases and reducing the higher costs of untreated chronic diseases helps us all.

Healthy people, for instance, make for a healthier work force with less lost work time, greater productivity and a more positive healthy environment.

Socialism is a dirty word in this country. Universal health care for all has been equated with socialism, and much propaganda has been communicated by the press, by right wing politicians, by medical groups such as the AMA or anyone else who has an agenda to keep the 1500 plus health insurance companies a thriving market with profits that undoubtedly help to pay for their agendas.

But if Americans knew the truth, and would turn off their TVs and use that time instead to change this country, using the power of grassroots politics, to make a single payer universal system a reality for all, then we would finally have the best health care system in the world. The Green Party in this country has as one of its missions to bring a universal system of health care to all Americans.

Any group with the passion to change the world, one issue at a time, with a loving intent, can do it.

Kate Loving Shenk is a writer, healer, musician and the creator of the e-book called "Transform Your Nursing Career and Discover Your Calling and Destiny." Click here to find out how to order the e-book: http://www.nursingcareertransformation.com Make Money Quick And Easy
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