|State of the Union 2014|
This year's State of the Union is a defining test for Obama
In fact, Obama failed to get any of his top 2013 State of the Union priorities through Congress. Congress ignored his calls for a new jobs program, for new gun controls and for sweeping immigration reform. Because of that, the 2014 speech is viewed by ...
State Of The Union 2014 LIVE
If you have questions about the State of the Union, you can email me at [email protected] and I'll try to answer as we go along, time permitting. –. 9:51 p.m. Call to strengthen the Earned Income Tax Credit (EITC). Wants to expand it saying, “I ...
State Of The Union 2014: Obama Delivers Annual Address (LIVE UPDATES)
President Barack Obama is delivering the 2014 State of the Union address on Tuesday, Jan. 28. Obama will speak on the state of our country before a joint session of Congress. Below, live updates on the State of the Union: ...
State of the Union 2014: Where Americans stand on key issues
President Obama and other administration officials have been road-testing several possible themes and proposals that are likely to come up in his State of the Union speech on Tuesday, with all indications being that he will concentrate on domestic issues.
Why did these presidents talk about income inequality? by Eisenhower Conservative
Q: Source; Bloomberg Businessweek
here are some bits of responses
“There is urgent need for greater effectiveness in our programs, both public and private, offering safeguards against the privations that too often come with unemployment, old age, illness, and accident.”
- Republican DWIGHT EISENHOWER
“Our working men and women, instead of being forced to beg for help from public charity once they are old and ill, should start contributing now to their own retirement health program through the Social Security system.”
- Conservative John F Kennedy
“It should be repugnant to the vital principles of our Government virtually to exclude from public trusts talents and virtue unless accompanied by wealth.”
- George Washington
“The prudent, penniless beginner in the world labors for wages awhile, saves a surplus with which to buy tools or land for himself, then labors on his own account another while, and at length hires another new beginner to help him. This is the just and generous and prosperous system which opens the way to all, gives hope to all, and consequent energy and progress and improvement of condition to all.”
- Conservative States Rights Abraham Lincoln
A: ya demacrat phoney
A few questions about problems in Fiji. Urgently need help? by Oliver Twist
Q: I'm doing a huge research project on Fiji and I have a lot of questions answered so far but I'm having a hard time finding problems in Fiji today(or withing the past few years). I've tried searching and looking at numerous sources but it's no good. If someone can provide me with 2 or 3 (more is always good), it would help a lot. I need to continue doing more research, so if i can get this out of the way that would be great. Thanks!
A: Fijian military leader Commodore Frank Bainimarama led a successful coup in 2006, ousting and replacing the then Prime Minister, Laisenia Qarase. The effects of this military coup are rippling through the South Pacific region even today. When the Fiji High Court declared Commodore Bainimarama’s government illegal in April 2009, Fiji’s president, Josefa Iloilo, who was brought to power by Bainimarama in 2006, forsook the Fijian constitution, fired the judiciary and reappointed Bainimarama as Prime Minister until 2014. In July 2009, Iloilo retired from his position and on November 4, Ratu Epeli Nailatikau was sworn in as the nation’s new president. President Nailatikau, a former military commander, diplomat and UN representative who vigilantly battles to curtail the HIV/AIDS epidemic in Fiji, has brought a ray of hope and a stabilizing effect to the nation’s political arena. At his inauguration, Nailatikau spoke of the nation’s need for unity, love and hope. Nearby nations Australia and New Zealand have imposed a series of sanctions on the Republic of Fiji in order to encourage the nation to stabilize its political situation. New Zealand’s particular sanction that bans anyone in the Fiji military from traveling outside of the country was met with a sign of non-cooperation from Fiji’s interim government. In November 2009, Commodore Bainimarama, who is still the country’s prime minister, ordered top New Zealand and Australian diplomats to be evicted from Fjiian soil. Political turmoil of any kind invariably hurts the economy of a nation, particularly by affecting its tourism industry. Fiji’s tourism industry is a crucial lifeline for the country’s economy, generating 100s of millions of dollars every year in revenue, an amount which exceeds the revenue generated from Fiji’s two largest exports, sugar and garments. The 2006 military coup, the political unrest that has subsequently followed, combined with Fiji’s tremendous trade deficit and a cyclone that ravaged the island of Vanua Levu in 2003 (which caused damages that amount to 30 million USD) have contributed to an undeniable economic crisis in the Republic of Fiji. In 2009, the Fijian dollar was devalued by 20%. IMF, World Bank and major world leaders, such as Australia, New Zealand and the European Union are all working hand-in-hand to ensure that Fiji’s economy stabilizes. Visitors to Fiji are a crucial component of any attempts to rebuild Fiji’s economy. They keep tourism alive and they invest money in commercial and private real estate ventures (thereby creating revenue and jobs for Fijian locals). Recognizing the need to maintain a vibrant tourism economy, the interim Fiji government announced in 2009 that the next budget would include a very large increase in its advertising grant for tourism. Potential visitors to Fiji can keep abreast of any significant travel warnings (due to weather conditions and local political unrest) by logging into their state department’s website and viewing its travel advisory warnings. ALSO STUDY AAA
Who here, like me, thinks No Child Left Behind is an abyssmal failure? by BlanketyBlank
Q: For years, U.S. schools haven't been instilling many students with the basic math, writing, and reading abilities they need to succeed in our world--and we're improving very little.
Oh sure, it might be helping "poor" schools bring up their test scores. But, they're not an honest, holistic assessment of students' analytical capabilities. I'm not against testing, per se. But, NCLB forces teachers to teach kids to know how to handle the test and prevents teachers from developing and strengthing the intellectual and creative abilities of their students. The VAST majority of my new college classmates still DID NOT feel prepared for college at all! Talk about large federal infringement by my fellow Republicans.
In Kentucky, where I live, schools have to meet a goal of 100 points by 2014 to be labeled as "proficient." Ky.'s testing accountability rules were changed in '07 to bring the state closer to meeting NCLB stipulations. Read here:
A: As an educator I am not sure where you get that we were improving because from where I stand we have been falling further behind. NCLB isnt the problem, teachers unions and poor parenting are. Half of my coworkers go about their business of teaching students, the other half run around complaining about this test, that test, NCLB, this politician and that and so on- Who does a better job teaching??? One guess. Liberal society with no standards and that looks down upon holding people accountable are another large part of the problem. Parents need to be less selfish and start working with their kids while others need to stop being friends with their kids rather than parent to them. Discipline is the cheapest way to improve education, it costs nothing and delivers amazing results. States LIE about graduation rates and intentionally chose the easiest tests- can they really be trusted???
What do you think of the Duck Dynasty star getting invited to the State of the Union? by Jack Q:
Are my credentials enough to get into University of Michigan or University of Virginia? by Becky C
Member of Red Cross Club (2011-2015)
Member of Key Club (2013-2015)
Member of Asian Student Union (2011-2015)
Member of National Honor Society (2013-2015)
Member of Spanish National Honor Society (2012-2015)
Student Government Association Class Board Member (2013-2015)
Freshman Volleyball (2011)
Junior Varsity Volleyball (2012)
Varsity Volleyball (2013-2014)
Habitat For Humanity DreamBuilders (50+ hours)
Volunteer at Baltimore National Zoo (3 hours)
Volunteer at HCC Chinese School (10+ hours)
SGA/NHS Sponsored Events (15+ hours)
(Expected) SAT Composite Score:
I am out of state. What are my chances?
I also plan to go on more mission trips to foreign islands over Spring Break/Summer.
I may also take a trip to China to teach English to kids.
Most Valued Player Freshman Volleyball (2011)
2nd Place Regional 15s Tournament (2012)
Captain/Libero of 15 Open Yellow Club Volleyball (2012)
Selected 1/3 Visual Display Boards to go to the Student Learning Conference (2013)
A: You should get in.
What is your opinion about gays get marriage in california? Are you agree why or why not!? by lizeth s
A: I don't agree with their decision, because there are more questions created other than answers & they basically created 3 classes of Californians. At least those 18,000 SSMs are still valid. But it will be available to those who want it in 2010, or 2012, or 2014...Hell, by 2020! And that gives me hope. Until the government (federal AND state) gets out of this semantics mess of the word "marriage" & issuing marriage licenses for a civil OR religious ceremony, the issue over same sex marriage will continue to be a hot button issue. But since the government makes no distinction over a religious or civil marriage, I will continue to fight for equality for same sex couples who are married or in any other state sanctioned union so they can get the same federal benefits as a heterosexual couple. And to those who say "Get over it?" 1. Let's see how YOU feel when the majority takes away YOUR rights, because it is legal under CA law. It's only a matter of time. 2 I hope you will be able to follow the same "Get Over It!" mantra you say to the LGBT community when it affects YOU & YOUR families. 3. Please follow the same advice when you complain about those 18,000 marriages that are STILL valid in the wake of Prop 8: Get Over It! Hypocrites
Why do libs think public unions are a good idea? by Texas Patriot
Q: I understand that unions once served a purpose in fighting for workers rights but everything they once fought for is now covered by laws or regulations so what is their purpose? Another U.S. city is considering filing for bankruptcy due to the costs of pension plans for their public union members. Desert Hot Springs could end up filing for bankruptcy like Stockton and San Bernadino already have. They discovered a shortfall in their budget which was caused by "higher-than-expected pension and salary costs". The public union pension plans across the country are $1.2 trillion in the red mainly because cities can no longer afford to pay the salaries and the pension plan costs for their public union members. On average the public union member makes 25% more than their private counterpart and pay far less into their pension plans and health care plans than their private counterparts leaving the burden on the taxpayers. Why do libs think public unions are a good idea?
A: They are bad for the tax payer because the unions can bribe the states to pay them more by supporting politicians who will vote for a pay raises regardless who has to pay for that raise just so they can stay in office. past statements Senior Democrat Dingell: Obamacare Prepping “to Control the People” by 2014 A democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves largesse from the public treasury. From that moment on, the majority always votes for the candidates promising the most benefits from the public treasury with the result that a democracy always collapses over loose fiscal policy, always followed by a dictatorship. The average age of the world's greatest civilizations has been 200 years. Great nations rise and fall. The people go from bondage to spiritual truth, to great courage, from courage to liberty, from liberty to abundance, from abundance to selfishness, from selfishness to complacency, from complacency to apathy, from apathy to dependence, from dependence back again to bondage. ---- Two centuries ago, a somewhat obscure Scotsman named Tytler made this profound observation: “A democracy cannot exist as a permanent form of government. It can only exist until the majority discovers it can vote itself largess out of the public treasury. After that, the majority always votes for the candidate promising the most benefits with the result the democracy collapses because of the loose fiscal policy ensuing, always to be followed by a dictatorship, then a monarchy." - Elmer T. Peterson Norman Mattoon Thomas (Nov. 20 1884-Dec 19, 1968) was a leading American Socialist, pacifist, and 6 time presidential candidate for the Socialist Party of America. In a 1944 speech he said: The American people will never knowingly adopt socialism. But under the name of "Liberalism they will adopt every fragment of the socialist program, until one day America will be a socialist nation, without knowing how it happened." He went on to say: " I no longer need to run as a president candidate for the socialist party. The Democrats have adopted our platform."
Could Guam become an American state? by
Q: I know America owns Guam and some other islands.So I'm just wondering could there be more that 50 states.That would be so cool.
A: It's doubtful. There is no indication that the people of Guam would like to become a state. Then there's the population question: According to the U.S. census conducted in 2000, the population of Guam was 154,805. The 2008 population estimate for Guam is 175,000. As of 2005, the annual population growth is 1.76%. The largest ethnic group are the native Chamorros, accounting for 37.1% of the total population. Other significant ethnic groups include those of Filipino (25.5%), White (10%) indicates of both European often of Spanish and white American ancestry, and the rest are of Chinese, Japanese and Korean ancestry. Roman Catholicism is the predominant religion, with 85% of the population claiming an affiliation with it. The programmed U.S. military buildup (2010-2014) will cause an unprecedented population increase (approximately 40% or nearly 80,000 people at the peak of constructions) which will significantly impact Guam's very limited and aging infrastructure. This expected population increase would otherwise occur over a 20 year period. The official languages of the island are English and Chamorro. If it became a state, Guam would be by far the smallest state in the union. And I highly doubt the native peoples would want to be in a minority (assuming that most of the 80,000 military people are adults, and that half the natives are children, the native adults would be outnumbered, or nearly outnumbered by the military).
Do you ever wonder what life will be like in 20 years? by Elle B there
Q: I always wonder what the trends and culture will be like in 20 years, in 2030. You know like how the 60's was different from the 70's and so on. I wonder how everyone will dress, what type of music will be popular, what type of president we will have, everything. What do you think?
Also how old will you be in 20 years? I'll be 40...damn
A: HERE YOU GO 2012 a proposed super computer built by Intel and SGI for NASA's Ames Research Center, will be completed, reaching a peak performance of 10 Petaflops a proposed super computer built by IBM for the National Nuclear Security Administration will be completed, reaching a peak performance of 20 Petaflops 2013 The new fuel efficient, Airbus A350-900 is scheduled to enter airline service in the summer Solar power will be cost-competitive with fossil fuels by 2013. 2014 The Masdar City is scheduled to be completed. Its goal is to be the world's first fully sustainable, zero-carbon, and zero-waste city. The United States Government ban on incandescent lightbulbs to take effect. 2017 O. J. Simpson may be eligible for parole from the Nevada correctional system. 2018 China's One-child policy is expected to end. NASA currently projects that its Vision for Space Exploration program will reach the Moon by 2018 According to notable futurist Ray Kurzweil, by 2018 “there will be a drug that lets you eat whatever you want without gaining weight. The Giant Magellan Telescope will be completed. 2019 Super computers are projected to reach 1 Exaflop. 2020 NASA starts moon colonization for future human exploration to Mars JAXA plans to send robotic astronauts to the Moon, followed by human astronauts Last nuclear power plant in Germany will be shut down British newspaper The Guardian published a series of magazines in September 2004 predicting life in 2020. These predictions include widespread use of artificially intelligent cars, "smart" clothing incorporating computer chips, and green energy sources. Global oil production is expected to peak According to current plans and workings for Project Constellation, NASA should be returning Humans to the Moon by 2020. Volvo hopes to use radar, sonar and other advanced technologies to create a crash-proof car by 2020 all automobiles will have some level of hybridization by 2020. all Toyota cars produced will be hybrid vehicles by the year 2020 2021 Intel scientists predict that the shrinking of microchips roughly every 18 months (Moore's Law) will reach a fundamental limit by 2021. 2026 Automatic mission to Mars as proposed in the Aurora Programme 2027 Release of FBI documents pertaining to Martin Luther King, Jr 2028 Institution of the Afro as the official currency of the African Union By this time, according to notable futurist Ray Kurzweil, all our energy will come from clean sources, such as solar power 2029 Intel predicts the performance of supercomputers to reach zettaflops scale. NASA's New Horizons spacecraft is scheduled to leave the solar system. 2030 The Japan Aerospace Exploration Agency will construct a manned lunar base. All New Zealand cars will be hybrid, bio-fuel, or electric. 2031 Researchers and investors in space elevator technology hope to start funding the construction of the first elevator by 2031. 2037 The 2037 Bomber, an optionally manned, stealthy, hypersonic, heavy-bomber is scheduled to enter service this year 2039 According to the Kabbalistic commentator Nachmanides, the Messiah must come by this time or else Armageddon will occur. 2040 The population of Earth is expected to be 9 billion people 2042 According to the United States Census Bureau, Americans who identify themselves as Hispanic, African American, Asian, Indian American, Native Hawai?ian and Pacific Islander will together outnumber non-Hispanic whites 2045 Futurist Ray Kurzweil predicts a Technological Singularity for 2045, i.e. a runaway cycle of self-improvement by intelligent machines, resulting in explosive technological development 2046 World coal supply presumed to peak. Robotics experts predict that around this time most work in advanced industrial nations will be done by Robots (news reports, December 2006). 2050 In July 2008, the G8 agreed to halve global greenhouse gas emissions by 2050 In October 2007, artificial intelligence researcher David Levy predicted that by 2050, human-robot marriages and human-robot sex will become common.
California themed bedroom? by
Q: I want a California themed bedroom. California is my dream state, specifically Los Angeles (I live in New Jersey). My room is being painted light blue walls and lime green trim. My room is kinda small. I also have lights to put around. Any other ideas? Please help
Thank you sosososos much c:
A: Hi - you need to choose your bedding first and I have found a nice set that would look great with your light blue walls and lime green trim. Hope you like it :) Say you go for the bedding above, then put a plain blue and a plain lime green cushion on your bed. Perhaps you might like 'californian surf style bedding'? Say, you went for the surf bedding - then you will need to add some lime green cushions to 'tie-in' the colour on your trim. It would be nice to have a lamp on your nightstand in lime green. If you like lava lamps - this is a nice green one :) For your walls - and as you like LA - I thought you could perhaps put some pictures/art on your wall of LA skyline etc. - I would recommend only putting these pictures/art on one wall and 'group' them all together - don't just put them 'willy nilly' anywhere - you need to make a statement and by grouping them together this is what you will be doing :) Have a look at some of these pictures etc. and perhaps you might find some stuff you like :) I would also recommend having them framed or put in 'clip frames' - this will also make a nice statement :) This next one is a calendar of Los Angeles, which might be a good idea to buy because I would say on every page there will be a different picture? Then, you could use the pictures to put into frames for your wall - a much cheaper way of getting your pictures :) This next link there are lots of different posters for California - I suggest that you can mix some from other places in California as well as Los Angeles? :) Anyway hope the above helps :)
Pres Obama, Take your executive orders and choke on them, when it comes to gun control.? by
Q: You will be in direct VIOLATION of the 2nd Amendment of the Constitution.
Something you swore to uphold. And since you have taken office have run
away from. You go ahead and sign those executive orders. And as fast as
you do. Congressional members can start drafting your impeachment procedures.
WE may not have the votes in the Senate right now. However come 2014 that can
and will change, And you will be removed.
Darwin. Executive privilege was not set up to change the structure of the LAW.
Mostly every order this man has signed is changing the Law. You can not legislate
from the executive office. Not today, Not Tomorrow. Not ever.
A: I agree with you. But I've been looking at his list and the first thing that jumps out is it's a Job Security Program for his Public Union buddies. I mean, you know how MASSIVE and clumsy and inefficient govt is these days. And their answer to everything is Collective Punishment. Why? Because it makes their job easier. Just look at the first three and imagine how much time and (tax money) will be wasted with no real benefit.. 1. Issue a Presidential Memorandum to require federal agencies to make relevant data available to the federal background check system. 2. Address unnecessary legal barriers, particularly relating to the Health Insurance Portability and Accountability Act, that may prevent states from making information available to the background check system. 3. Improve incentives for states to share information with the background check system. Another thing I notice is what's missing, which is a plan similar to what they have in Texas where they've been training and arming (volunteer) teachers and staff. Now there's a real deterrent! But did Obama propose something like that that WOULD HELP? Of course not. The other thing is having doctors ask their patients about guns > "16. Clarify that the Affordable Care Act does not prohibit doctors asking their patients about guns in their homes". - Just off the top I can imagine this being abused. Not to mention those same doctors may be part of the problem since they're the ones prescribing multiple psychotropic drugs to kids and teens.
what can you tell me about Mikhail Gorbachev? by
Q: I need as much info as possible
A: Mikhail Gorbachev is a former Soviet statesman, having served as General Secretary of the Communist Party of the Soviet Union from 1985 until 1991, and as the country's head of state from 1988 until its dissolution in 1991. He was the only general secretary in the history of the Soviet Union to have been born after the October Revolution. Alongside East Germany's Egon Krenz and Poland's Wojciech Jaruzelski, Gorbachev is one of the last surviving leaders of an Eastern Bloc state as of 2014. Gorbachev was elected General Secretary by the Politburo in 1985. Before he reached the post, he had occasionally been mentioned in western newspapers as a likely next leader and a man of the younger generation at the top level. Mikhail Gorbachev was the Party's first leader to have been born after the Revolution. As de facto ruler of the USSR, he tried to reform the stagnating Party and the state economy by introducing glasnost ("openness"), perestroika ("restructuring"), demokratizatsiya ("democratization"), and uskoreniye ("acceleration" of economic development), which were launched at the 27th Congress of the CPSU in February 1986. In contrast to his controversial domestic reforms, Gorbachev was largely hailed in the West for his 'new thinking' in foreign affairs. During his tenure, he sought to improve relations and trade with the West by reducing Cold War tensions. He established close relationships with several Western leaders, such as West German Chancellor Helmut Kohl, U.S. President Ronald Reagan, and British Prime Minister Margaret Thatcher—who famously remarked: "I like Mr. Gorbachev; we can do business together". In February 1988, Gorbachev announced the full withdrawal of Soviet forces from Afghanistan. The withdrawal was completed the following year, although the civil war continued as the Mujahedin pushed to overthrow the pro-Soviet Najibullah government. His policy of non-intervention in the affairs of the other Warsaw Pact states, introduced in 1988 proved to be the most momentous of Gorbachev's foreign policy reforms. By the end of 1989, revolts had spread from one Eastern European capital to another, ousting the regimes built in Eastern Europe after World War II. With the exception of Romania, the popular upheavals against the pro-Soviet Communist regimes were all peaceful ones. The loosening of Soviet hegemony over Eastern Europe effectively ended the Cold War, and for this, Gorbachev was awarded the Otto Hahn Peace Medal in Gold in 1989 and the Nobel Peace Prize on 15 October 1990. At home Gorbachev's reforms ultimately resulted in the dissolution of the Soviet Union. On the night of 25 December 1991, in a nationally televised speech, Gorbachev announced his resignation as president—as he put it, "I hereby discontinue my activities at the post of President of the Union of Soviet Socialist Republics". The Soviet Union was formally dissolved the following day. Two days after Gorbachev left office, on 27 December, Yeltsin moved into Gorbachev's old office. Since his resignation, Gorbachev has remained involved in world affairs. He founded the Gorbachev Foundation in 1992, headquartered in San Francisco. He later founded Green Cross International, with which he was one of three major sponsors of the Earth Charter. He also became a member of the Club of Rome and the Club of Madrid, an independent non-profit organization composed of 81 democratic former presidents and Prime Ministers from 57 different countries.
Should Democratic Senators up for reelection in 2014 be worried? by
Q: NRA Targets Democratic Senators Up in 2014 With Local Newspaper Ads
The National Rifle Association will launch a print advertising campaign targeting mostly Democratic senators up for re-election in 2014, according to sources close to the group.
On Thursday, full-page ads are scheduled to run in local newspapers in Arkansas, Louisiana, Maine, North Carolina and West Virginia. They will be supplemented by digital advertising in these states and 10 others, including Alaska, Colorado, Montana, New Hampshire and South Dakota.
Additionally, the group has scheduled full-page ads to run Feb. 25 in regional editions of USA Today, reaching parts of 15 states.
The campaign is estimated to cost north of $375,000, sources said. The NRA’s newspaper ads will run in three states with Democratic incumbents up in 2014: Sens. Mark Pryor of Arkansas, Mary L. Landrieu of Louisiana and Kay Hagan of North Carolina. In West Virginia, Democratic Sen. Jay Rockefeller is retiring, but the race to replace him is competitive.
The NRA’s newspaper campaign will run in one state with a GOP incumbent, Maine Sen. Susan Collins.
Local newspapers in smaller states remain an effective way to reach voters. The advertisements are part of a broader NRA advocacy campaign highlighting an internal Justice Department memorandum that the organization claims proves President Barack Obama’s gun control proposals will not reduce gun violence.
The NRA made its case on the matter in a Web video advertisement that it released the same night as the State of the Union address.
A: Rahel madcow would be so proud of this propaganda, he speaks of it often. Rick - forgets what happened in 1994.
what will the world be like in the next four years? by ladybug
Q: gas prices is going down and there is no jobs and everyone is
getting layoff ,people losing there home what a mess we have!
A: We are about half way through the present recession. Starting in late 2009 there will begin a slow recovery and by about 2010 to 2012 the world economy will be on the mend and most of the industrial and banking sector will be back to normal. The economic measures now put in place by the UK.gov are the best way forward and are being copied by other nations in a drive to recovery as soon as possible. The rapid loss of jobs in the USA is cause for concern in that some States now have insufficient funds to pay unemployment benefits to workers now thrown out of work as a result of the crisis of confidence which has lead to the crash. Those States in the USA who have insufficient funds from which to pay unemployment benefits, are going to have to ask the US.gov for money, possibly in the form of loans. Thankfully here in UK there is no shortage of cash for the unemployed, but workers who are made unemployed, should be aware that if they have more than £6,000 in savings, including any redundancy money, they will probably not get any benefits until they are below the £6,000 savings threshold. Workers should contact their union or local JobCentrePlus for more info on that. Meanwhile as central banks reduce their intererst rates to zero or close to it, a lot of this is not being passed on to borrowers. Why? Put simply the banks are holding billions in savings from loyal customers who have saved with them for 50 years or more and they want to keep that loyalty. Here then is the approximate timetable for the credit crunch - 2008 - credit crunch - all hands to the pumps 2009 - more workers join the army of the unemployed 2010 - building industry picks up - trade picks up 2011 - more go back to work 2012 - economy steady as we go 2013 - steady 2014 - shares up slowly 2015 - stread shares on up - investments looking good etc. 2016 - all clear - careful as you go. Motto for all of the above - "Neither a borrower nor a lender be", Wm.S.
Anyone ever worked as a loan officer? by Rockstar from another dimension
Q: I'm in need of a new job, and I recently sparked a little bit of interest in becoming a loan officer. It seems like an opportunity to make a great income, while living a flexible lifestyle. Although I really don't know very much about the field. I was hoping to find someone who can tell me their opinion about the field. Perhaps things to look for, and things to watch out for if I do go in the field. The things you like, and don't like. The steps I should take if I do want to get in this field. etc.
I do have 5 years of collection experience and I was always one of the top collectors, so I'm pretty sure I'd catch on quick since I'm already used to negotiating finances with people. I'm just really tired of collections and don't want to do it anymore, looking for a better opportunity.
PS: If you know of an even better opportunity for an ex-collector, I'd like to hear it also.
A: Loan Officer and Loan Counselor: Career Information From Dawn Rosenberg McKay, Your Guide to Career Planning. FREE Newsletter. Sign Up Now! Job Description: Loan officers work for banks and other financial institutions. They help individuals and businesses obtain funds from these lenders. Loan officers specialize in commercial, consumer and mortgage loans. Loan counselors assist loan applicants who have difficulty qualifying for traditional loans. Employment Facts: Loan officers held almost 291,000 jobs in 2004. Loan counselors held about 34,000 jobs in 2004.* Education: To work as a loan officer or loan counselor one must generally have a bachelor's degree in finance, economics or a related field. Other Requirements: Job candidates should be familiar with computers and their applications in banking. While there are currently no specific licensing requirements for loan counselors and officers working in banks or credit unions, training and licensing requirements for loan counselors and officers who work in mortgage banks or brokerages vary by state. These criteria also may vary depending on whether workers are employed by a mortgage bank or mortgage brokerage. Advancement: Capable loan officers and loan counselors, once experienced, may move to larger branches of their firms or to managerial positions. Those without adequate education will have trouble advancing without additional training. Job Outlook: Employment of loan officers is projected to increase more slowly than average for all occupations through 2014. Those with college degrees or experience have the best prospects. Employment of loan counselors is expected to increase faster than average.* Earnings: Median annual earnings of loan officers were $48,830 in 2004. Median annual earnings of loan counselors were $35,700 in 2005.*
Why don't create a federal entity which will unify the Western World with New York as its capital? by Bastien
Q: A Western federalism between USA, European Union, Australia, Canada and New Zealand able to establish itself as the dominant power for next centuries. New York, the largest city in the Western world located on the Atlantic coast could become the capital.
Almost the entire area of Chinese civilization is unified in the People's Republic of China. Almost the entire area of Indian civilization is unified in the Republic of India. Almost the entire area of Arab civilization is unified in the Arab League. Russia is trying to create the Eurasian Union.
In contrast, Western civilization is bound only by individual agreements (military: NATO, movement : abolition of entry visas, various economic agreements, etc ...). Should we not merge all the agreements and establish a joint federal entity able to speak with one voice against the rise of China and the future rise of other global powers? And longer-term deepen transatlantic movement involving monetary convergence?
A: Saying the entire western civilisation should unite is like saying the entirety of the Middle East or Asia should "unite", you think that's possible? Israel is different from Palestine, India is different from Pakistan, China is different from Japan, and the US is way different from even where you came from - the United Kingdoms. Do you even know Europe? The Eurozone economic crisis is threatening to split up the EU, with countries like the UK already contemplating moving out, to save themselves from the economic repercussions of other EU states no less, a.k.a. Spain, Greece etc. France and Germany are trying to hold the whole thing together, but the French economy is in decline and reaching higher unemployment levels themselves. On an EVEN SMALLER scale, even individual countries in the UK are threatening to split - Scotland is due to have an independence referendum vote in 2014, Wales is demanding more devolved power from Westminster to Cardiff, etc. We can agree the EU is perhaps the most successful international union so far, yet even they are facing a crisis, how do you imagine combining Europe and America, who's across the Atlantic? And New York? Why? Why not Brussels, Vancouver, Paris or London? Because the US is all so powerful and the "zenith of human civilisation", when you owe China 1.3 trillion dollars of debt? Yeah, not going to happen.
Catholics, What is the main reason why you dont support Obama this time? by
Q: Contraception Issue (or) his support for state-recognized civil marriage for gays
A: 1. He really hasn't brought the "change" he promised he would bring. He's just like any other politician, and I - as a registered independent - have a general mistrust of any politician who just does what his/her party tells him/her to do. (That goes for republicans and democrats alike.) 2. Have you noticed that unemployment is really high and jobs creation isn't happening? Have you seen how the economy is barely creeping along, even after Obama's programs to get things moving? Have you seen the price of gas? Have you noticed that the super infrastructure he promised that would create jobs still hasn't even been started yet? Have you noticed that public education is still failing our kids? Have you noticed that we're still involved in foreign wars? Did you notice that even when he had a Democratic-led congress, he pretty much accomplished nothing, not even universal health care (which won't start until 2014 at the earliest and will be VERY expensive by all accounts)? 3. His administration's attack on the freedom of religion are certainly very big problems. And this isn't just a "contraception" issue - it's an issue of singling out one particular church and trying to force them to pay for something they believe is a sin. The gov't doesn't force Jehovah's Witnesses to pay for other people's blood transfusions, and the gov't doesn't force Christian Scientists to pay for other people's medical care, so why does the gov't want to force Catholics to pay for other people's contraception? Contraception is not even a life-and-death situation, as blood transfusions or other medical care might be. It's just an attack on Catholicism. WHY? 4. Since Holy Matrimony is a sacrament in the Catholic Church, we have to be very concerned about legislation that re-defines marriage in a way that would condone mortal sin, as same-sex "marriage" would. Biologically, it's not even possible for two people of the same gender to marry, because they cannot procreate. Their relationship is inherently infertile. So whatever the gov't wants to do to bless and legalize their unions, they really ought not do it via the word "marriage" because that puts the Catholic Church in a bad position. We could be sued for discrimination if we don't marry same-sex couples, but we can't because it's wholly against our beliefs. Again, this is an attack on Catholicism (and other Christians who agree with the traditional definition of marriage). WHY? 5. He's also the most pro-abortion president ever, refusing to admit that aborting a baby because she's a girl instead of a boy is just plain WRONG.
Do you support higher taxes to pay for the bigger government promised by ObamaCare? by Jacob
Q: The Patient Protection and Affordable Care Act (PPACA), commonly called ObamaCare or the Affordable Care Act (ACA), is a United States federal statute signed into law by President Barack Obama on March 23, 2010. Together with the Health Care and Education Reconciliation Act, it represents the most significant regulatory overhaul of the country's healthcare system since the passage of Medicare and Medicaid in 1965.
The ACA aims to increase the quality and affordability of health insurance, lower the uninsured rate by expanding public and private insurance coverage, and reduce the costs of health care for individuals and the government. It provides a number of mechanisms—including mandates, subsidies, and insurance exchanges—to increase coverage and affordability. The law also requires insurance companies to cover all applicants within new minimum standards and offer the same rates regardless of pre-existing conditions or sex. Additional reforms aim to reduce costs and improve healthcare outcomes by shifting the system towards quality over quantity through increased competition, regulation, and incentives to streamline the delivery of health care. The Congressional Budget Office projected that the ACA will lower both future deficits and Medicare spending.
On June 28, 2012, the United States Supreme Court upheld the constitutionality of most of the ACA in the case National Federation of Independent Business v. Sebelius. However, the Court held that states cannot be forced to participate in the ACA's Medicaid expansion under penalty of losing their current Medicaid funding. Since the ruling, the law and its implementation have continued to face challenges in Congress, in federal courts, and from some state governments.
ObamaCare, formally known as "The Patient Protection and Affordable Care Act," will impose massive penalties on young workers, small businesses and others who choose not to buy expensive health insurance, beginning in 2014. ObamaCare is the biggest handout by liberals to a single interest group — the health insurance industry — in American history. Even Democratic Senator Webb recently admitted: ObamaCare "cost Obama a lot of credibility as a leader." On June 28, 2012, the Supreme Court of the United States upheld the constitutionality of ObamaCare — by only one vote, 5-4 — as being within the taxing power of the federal government. Since then, leading Democrats have described ObamaCare as a "train wreck," and unions increasingly agree with conservatives that ObamaCare should be repealed.
The Association of American Physicians and Surgeons (AAPS) pointed out that there are no redeeming provisions of Obama's health care plan. AAPS observes that Obama's health care plan will significantly increase the overall cost of health care for a majority of United States citizens, plus reduce the quality of care that a free market system would otherwise provide. ObamaCare will soon cause havoc and harm to tens of millions of Americans: 28 million Americans will be caught in a "massive game of health coverage pingpong" due to ObamaCare.
ObamaCare is itself little more than a massive tax hike, with a cost of $1 trillion. Do you support higher taxes to pay for the bigger government promised by ObamaCare?
Health care is the prevention, treatment, and management of illness and the preservation of mental and physical well being; however, health insurance is insurance against the risk of incurring medical expenses among individuals. Anyone who says I do not know the difference between the two are saying that probably because they do not like my knowledge on this subject or the question or the way I word it.
Health care is the prevention, treatment, and management of illness and the preservation of mental and physical well being; however, health insurance is insurance against the risk of incurring medical expenses among individuals. Anyone who says I do not know the difference between the two are saying that probably because they do not like my knowledge on this subject or the question or the way I word it.
A: No I do not support raising taxes for more government (useless spending). I am responsible for myself and my family and don't need obamacare to give me lesser care for my family. The average middle class family doesn't need to shell out any more money in useless programs. They are already making less money than they have in the past and any more decreases in their income due to higher taxes will only hurt the middle class more than any one else. If Obama really cared about the middle class, he would focus on cutting spending and finding where money is being used foolishly rather than cause more financial stress to those that are working their butts off just to make ends meet. Funny about 8 or 10 years ago we, as a family, could afford to go on a decent pretty good vacation - say take a plane ride and spend a week in Disney, go to a resort for a week or similar. Now due to the horrible economy, my husband losing a job and now working for less money, my net pay decreasing due to increases in taxes and health insurance - I now net less even though my gross salary has gone up. We can only afford vacations like driving to a campground or going away for a long weekend - we can't afford a plane ride. Our lifestyle has decreased significantly. So - do you think increasing taxes and health care is helping?
Will Americans tune out President Obama's State of the Union address and why? Are Americans tired? by Jamal Q: Radio host Don Imus says he won't watch an ounce of it. Why? Are people fed up? Original date: January 26, 2014
state of union 2014.. important points? by Gabby Q: What are some important points.... About the state of union 2014.. Please try to not to say big paragraphs do bullet point
state of union 2014.. important points? by Gabby Q: What are some important points.... About the state of union 2014.. Please try to not to say big paragraphs do bullet point
Who is the representative to the European Union for Italy? by eliphant_4115
Q: including the person's party
A: Your question is very vague, but I'll do my best to answer it. If you mean in the Parliament? You can see the results of the election here. > Italy has 72 Members of the European Parliament represented by the following political parties: PdL (The People of Freedom Party)/EPP (The European People's Party) - 35 Members. PD (The Democratic Party)/S&D (The Progressive Alliance of Socialists and Democrats) - 21 Members. LN (The Liberal Democrats)/EFD (Europe of Freedom and Democracy) - 9 Members. IdV-Lista Di Pietro (Italy of Values Party)/ALDE (The Alliance of Liberals and Democrats for Europe)- 7 Members. SVP (South Tyrolean People's Party) /EPP (The European People's Party) - 1 Member. You can find a list of the names of all the Italian Members of European Parliament by constituency here. > If you mean in the Council of Ministers? There is a Council of Minsters for every group of ministers, so you have a Council of Minsters for Trade, a Council of Ministers for Education, a Council of Ministers for Health etc. These Councils are groupings of Ministers from each European Union Member State, so the Council of Ministers for Health will be made up of all the Ministers for Health of each country in the European Union. So Italy will be represented in each Council of Minsters by it's respective member of the Italian cabinet. Minister of Foreign Affairs - Franco Frattini - People of Freedom Minister of Economy and Finance - Giulio Tremonti - People of Freedom Minister of Defense - Ignazio La Russa - People of Freedom Minister of Justice - Angelino Alfano - People of Freedom Minister of Agriculture - Luca Zaia - Lega Nord Minister of Education, University and Research - Mariastella Gelmini - People of Freedom Minister of Labour and Social Affairs - Maurizio Sacconi - People of Freedom Minister of Infrastructures and Transports - Altero Matteoli - People of Freedom Minister of Environment - Stefania Prestigiacomo - People of Freedom Minister of Culture - Sandro Bondi - People of Freedom Minister of Health - Ferruccio Fazio - People of Freedom If you mean in the European Council? Italy is Represented by it's Prime Minister Silvio Berlusconi PdL (The People of Freedom Party)/EPP (The European People's Party) If you mean the in the Commission? Then it's Antonio Tajani, Vice-President, Industry and Entrepreneurship, and he is a member of the Il Popolo della Libertà, PdL (The People of Freedom Party), however technically he doesn't represent Italy but is meant to represent the European Union as a whole. If you mean in The European Court of Human Rights? Then it's Judge Vladimiro Zagrebelsky who of course has no political party. If you mean in The European Court of Justice? Then it's Judge Paolo Mengozzi and Judge Antonio Tizzano both again of course have no political party. There are a few other area's such as the The Court of Auditors. You can find a list of the Institutions of The European Union here. > If your confused by all this and can't work out how the European Union works try watching these videos. > > And if your interested you might like this, the Anthem of the European Union. > Oh and this is a great video, the European Union at Night. >
What is The Croke Park Agreement and what will happen in 2014 when it expires? by \(-_-)z
A: The croke park agreement is basically and agreement that the government can't slash into the public servants wages again ( teachers, nurses, guards etc), what will happen when it ends in 2014? The government will ask all frontline services to bend over and internally phuck them up the arse! They want to cut their pay by 20% which is fine except people have mortgages, families, high taxes and a lot of bills to pay. Morale will be low, people who are suppose to care will stop caring and the country will be in a worse state. Although it might be the push we need cause the teacher and nurses unions (guards arnt allowed a union) will not take it lying down like the rest of us and will be the ones to bring the country to a standstill.
does an employer have to offer drug rehab before termination ? by Lisa
Q: my husband had a random drug test at work and before he took it he told them it would be dirty. They appreciated the heads up but he was still fired. My question to you is : Does an employer have to offer drug rehabilitation before termination ? He has admitted he has a problem and is willing to get help . I just thought that the job HAD to give him the option of rehab before being fired .
A: No, of course not. Your husband didn't even want rehab until he could lose his job. Why on earth would they give him rehab? Anyone can get fired for any reason that's not discriminatory, unless there is a union or a contract. Being under the influence on the job was his choice. Not getting help for his problem until he had a threat of losing his job was also his choice. Quit trying to blame others and enabling your husband. Your husband is out of work, now is the time for him to get clean and sober. 12 step programs are free and most states have kind of free program. So what's stopping him? Rehab may or may not be covered by health insurance, but in 2014, it probably will be under Obamacare.
Do you wish Obama passed the Patient Protection and Affordable Care Act instead of the horrendous Obamacare? by Jim Bay
Q: I'm all for patient protection and affordability. Why didn't congress pass that instead of Obamacare where healthcare costs have sky rocketed, my patient doctor relationship has been damaged because the government now decides what I pay for in my insurance plan and what procedures and tests my doctors can run on me.
What do you think?
It's not possible that all of you are dense? The point I'm making is name of the bill reflects the opposite of what the bill actually does. It's a pattern of this administration say one thing then do the opposite. That was the point Obamacare takes away patient rights and is less affordable duh
Wow flower you really don't understand Obamacare do you. Let me give you some facts
1. Insurances rates for healthy people have gone way up about three times faster than they would have without Obamacare? Why? Because Obama forces insurance companies to provide a standardize insurance plan and mandates they follow HHS guidelines. That means you and I have no choice as to what my rates are calculated on.
2. The only discrimination in rates allowed by the government is based on region of the country. Rates may not very based on sex, health, or age. What that means is a healthy heterosexually man I married must pay for your pregnancy "flower"and "voice of reasons" sex change operation, and "zombie's" sex change. Think of Obamacare as redistribution of healthcare cost from the sick to the healthy.
3. To control costs on the elderly or people over 50 when you generally start getting sick HHS has created death panels that sarah Palin told you ab
Palin told you about but you were lied to and likely believed they aren't in the plan. These panels decide what tests, drugs, and procedures can be used / performed based on your age and remaining usefulness to the government as a production unit serving its master and or voting / campaigning device. In other words doctor patient choices are restricted.
4. This is all before the costs of uninsured have kicked in.
Why don't you guys educate yourself!
A: i would prefer the government stay out of health care. there is nothing affordable in this bill unless you are committing a federal crime in which case you will be rewarded with free health care. meanwhile, tax paying americans are being moved to part time to avoid the cost of the obama care middle class tax health bill, also losing income. they will be forced into the state exchanges which be low quality low cost health care for sure. my insurance is up 14% - so far - and they are projecting 5% annual increase. plus all of the little regulations in there that are already adding 63.00 per person to be paid by corporations starting in 2014. of course this will be passed on to the employees. and lets not forget the the waivers to the union buddies of obama. this will cost the "taxpayers". but will of course guarantee more donations for obama. shocker. and of course we can all look forward to the rationing. assuming we can even find a doctor. Unions already received a generous concession in the health care bill. Their generous "cadillac" insurance plans were exempted from being taxed until 2018, adding about $120 billion to the bill’s cost over ten years.
Has anybody noticed that ALL of the people who pushed Obamacare are trying to get out of it now? by Robert
Q: The Unions without whom Obamacare never would have passed. The IRS workers who have the responsibility of FORCING you to buy insurance. The very people who wrote the godawful mess. Max Baucus, the principal author calls it a "trainwreck." Anybody want to bet that Congress tries to weasel out of it before its over? Is there anybody besides Barack Obama himself who still believes in this abomination?
A: because the more we know about this train wreck it just keeps getting worse. Obama is out trying to push this with the lies about the rebates which are mostly going to the large corporations, not to individuals and of course he is counting on his uninformed voters to sign up for the state exchanges it will be interesting to see if the college kids who voted for him will realize that it is their wealth that he plans to redistribute. 75% of the cost is for the new definition of millionaire under the Obama definition of 120,000. down from the previous 250,000. he is hoping on the 2014 elections to keep the senate and gain congress. the middle class is dying under his policies, if this happens, all we will have is part time jobs. lets see if these college kids are paying attention.
did anybody watch the 2014 state of the union? by Shanna H Q: I am suppose to talk about 3 things that obama addresses during the 2014 state of the union address. making it a 1 page paper. and also i need to discuss 3 things the republicans say about what obama is wanting to do .... did anybody watch this ? if so can you please help me out. i would greatly appreciate it. its due tomorrow and i am busy with three kiddos tonight, no time to watch it .:(
What will the world look like in 2015 ? by Billy
Q: With the USA looking at defaulting by the end of the year. Seccesionist movments in various states. The EU electing it's first democraticly elected president in 2014. Russia reviving the USSR (new name eurasian union) and Australia breaking away from the commonwealth and western ties to focus on a new financial "federation" involving Japan, China, Australia and New Zealand.
And the posibility of world war three being sparked by Turkey/Syria/Lebanon.
How will the world look ? Are you looking forward to 2015 ?
A: Any state stupid enough and un-American enough to want to secede, let'em. We fought a Civil War in the mid 1800's to prevent the South from sinking into becoming a third world nation on its own, and what would today look something far more like Mexico. A vast majority of working poor ruled by a handful of rich family's. It wasn't worth it.
why did the feds override utah in regards to? by Mike
Q: gay marriages?
the feds have no right to do this on the basis of the tenth amendment.
the feds are not supposed to recognize any marriage according to the first amendment prohibiting the honor of an institution of religion.
so how is this legal?
i mean this is getting silly. a federal court can just throw away peoples' votes or disregard state rights because the ruling hurts somebody's feelings?
we already have gay marriage. it's called a civil union.
A: Here is the status: and here is what the Federal Judge ruled in Utah on December 20 US district judge Robert J Shelby issued a 53-page ruling Friday saying Utah's law passed by voters in 2004 violates gay and lesbian couples' rights to due process and equal protection under the 14th amendment. Shelby said the state failed to show that allowing same-sex marriages would affect opposite-sex marriages in any way. "In the absence of such evidence, the State's unsupported fears and speculations are insufficient to justify the State's refusal to dignify the family relationships of its gay and lesbian citizens," Shelby wrote. Supreme Court earlier this week put the ruling on hold until the appeals court has ruled. There were 1300 marriages performed from December 20th until the Supreme Court put the ruling on hold and they did not void the marriages. 14th Amendment: citizenship rights and equal protection of the laws The Due Process Clause prohibits state and local government officials from depriving persons of life, liberty, or property without legislative authorization. This clause has also been used by the federal judiciary to make most of the Bill of Rights applicable to the states, as well as to recognize substantive and procedural requirements that state laws must satisfy. The Equal Protection Clause requires each state to provide equal protection under the law to all people within its jurisdiction. This clause was the basis for Brown v. Board of Education (1954), the Supreme Court decision that precipitated the dismantling of racial segregation, and for many other decisions rejecting irrational or unnecessary discrimination against people belonging to various groups. So, essentially, the Federal District court ruled that same sex couples have the same rights in the State of Utah as couples of different genders (man and woman), and the 14th Amendment gives the court the right to make that ruling. It is up to the State of Utah to prove why same sex marriages have a detrimental affect on man-women marriage partnerships. And, the State of Utah failed to prove it to the satisfaction of Judge Shelby. The State of Utah is appealing the decision to a Federal Court of Appeals, and if that court rules in Utah's favor, the original ruling can be reversed. If they affirm Shelby's ruling, Utah can then appeal to the US Supreme Court whose decision will be final and applied to the 50 states. If the Federal Court of Appeals rules in favor of Utah, the plaintiffs of the case can appeal to the US Supreme Court. The US Supreme Court has thrown out key statutes of a federal DOMA law, but has not yet ruled on law of the states. That is where it stands, like it or not, this is proceeding via rule of law. Marriage is not an institution of religion per se. There are civil marriages not involving a minister. It is not a particular religion either. Yes, a Federal Court can rule that the majority of voters of a state cannot suppress the rights of a minority of a state. All in the state must have equal rights and equal protection. A state cannot make slavery legal either under the same protection.
If Mahmoud Ahmadinejad wants a New World Order, why doesn't he start with his own country? by No Chance Without Thor
Q: I say If he calls for a new world order then let him start with his own country first so he can show us what it looks like, because if his new world order is anything like the the way they control their people, I don't want a New World Order.
Iran is a 2rd world theocratic fascist country that is run by a bunch of Persian Neocons. What he is advocating are big words for a man who allows his people to stone homosexuals to death.
A: the nwo will happen.most likely in 2014.with cashless society.it will be enslave world. a one world religion goverment and language.the laws that are passing right now like the ndaa, healthcare,un treaty guns,these are laws for the nwo.weather your a christian or not it is a religious war.and there will be less people on earth 90% killed (guidestones youtube) ive been there.maintain population at 500,000,000.there will be less food on the earth.and it will be run by a leader.there will be no america it will be called north american union.israel is not an innocent country they run us.there not the victim..theres been more christian and slaughter still to this day ..alot more then jews.no the nwo will be a police state
Where and in which year have all olympic games have been celebrated? by Javier C
Q: We need to know in which place and in which year have been every single olympic games
A: the Summer Olympic Games has been staged every 4 years since it was reintroduced in 1896 in GREECE while the Winter Olympic Games was introduced in 1924. list of modern Summer Olympic Games: 1896 Games of the I Olympiad - Athens, Greece 1900 Games of the II Olympiad - Paris, France 1904 Games of the III Olympiad - St. Louis, Missouri, United States 1908 Games of the IV Olympiad - London, United Kingdom 1912 Games of the V Olympiad - Stockholm, Sweden 1916 Games of the VI Olympiad - Berlin, Germany – cancelled because of World War I 1920 Games of the VII Olympiad - Antwerp, Belgium 1924 Games of the VIII Olympiad - Paris, France 1928 Games of the IX Olympiad - Amsterdam, Netherlands 1932 Games of the X Olympiad - Los Angeles, California, United States 1936 Games of the XI Olympiad - Berlin, Germany 1940 Games of the XII Olympiad - Tokyo, Japan → Helsinki, Finland – cancelled because of World War II 1944 Games of the XIII Olympiad - London, United Kingdom – cancelled because of World War II 1948 Games of the XIV Olympiad - London, United Kingdom 1952 Games of the XV Olympiad - Helsinki, Finland 1956 Games of the XVI Olympiad - Melbourne, Australia & Stockholm, Sweden (Equestrian events) 1960 Games of the XVII Olympiad - Rome, Italy 1964 Games of the XVIII Olympiad - Tokyo, Japan 1968 Games of the XIX Olympiad - Mexico City, Mexico 1972 Games of the XX Olympiad - Munich, West Germany 1976 Games of the XXI Olympiad - Montreal, Canada 1980 Games of the XXII Olympiad - Moscow, Soviet Union 1984 Games of the XXIII Olympiad - Los Angeles, California, United States 1988 Games of the XXIV Olympiad - Seoul, South Korea 1992 Games of the XXV Olympiad - Barcelona, Spain 1996 Games of the XXVI Olympiad - Atlanta, Georgia, United States 2000 Games of the XXVII Olympiad - Sydney, Australia 2004 Games of the XXVIII Olympiad - Athens, Greece 2008 Games of the XXIX Olympiad - Beijing, People's Republic of China 2012 Games of the XXX Olympiad - London, United Kingdom list of Winter Olympic Games: 1924 I Olympic Winter Games - Chamonix, France 1928 II Olympic Winter Games - St. Moritz, Switzerland 1932 III Olympic Winter Games - Lake Placid, New York, United States 1936 IV Olympic Winter Games - Garmisch-Partenkirchen, Germany 1948 V Olympic Winter Games - St. Moritz, Switzerland 1952 VI Olympic Winter Games - Oslo, Norway 1956 VII Olympic Winter Games - Cortina d'Ampezzo, Italy 1960 VIII Olympic Winter Games - Squaw Valley, California, United States 1964 IX Olympic Winter Games - Innsbruck, Austria 1968 X Olympic Winter Games - Grenoble, France 1972 XI Olympic Winter Games - Sapporo, Japan 1976 XII Olympic Winter Games - Innsbruck, Austria 1980 XIII Olympic Winter Games - Lake Placid, New York, United States 1984 XIV Olympic Winter Games - Sarajevo, Yugoslavia 1988 XV Olympic Winter Games - Calgary, Alberta, Canada 1992 XVI Olympic Winter Games - Albertville, France 1994 XVII Olympic Winter Games - Lillehammer, Norway 1998 XVIII Olympic Winter Games - Nagano, Japan 2002 XIX Olympic Winter Games - Salt Lake City, Utah, United States 2006 XX Olympic Winter Games - Turin, Italy 2010 XXI Olympic Winter Games - Vancouver, British Columbia, Canada 2014 XXII Olympic Winter Games - Sochi, Russia
Why did the kyoto protocol come about? by Armine
Q: What were the conditions in the world before this protocol and why was it created. Also what were the conditions in Japan before and after the Protocol. Did it even create a change in the world?
A: The Kyoto Protocol to the United Nations Framework Convention on Climate Change (UNFCCC) is an international treaty that sets binding obligations on industrialised countries to reduce emissions of greenhouse gases. The UNFCCC is an environmental treaty with the goal of preventing "dangerous" anthropogenic (i.e., human-induced) interference of the climate system. 191 countries (all UN members, except Andorra, Canada, South Sudan and the United States), as well as the European Union are Parties to the Protocol. The United States signed but did not ratify the Protocol and Canada withdrew from it in 2011. The Protocol was adopted by Parties to the UNFCCC in 1997, and entered into force in 2005. As part of the Kyoto Protocol, many developed countries have agreed to legally binding limitations/reductions in their emissions of greenhouse gases in two commitments periods. The first commitment period applies to emissions between 2008-2012, and the second commitment period applies to emissions between 2013-2020. The protocol was amended in 2012 to accommodate the second commitment period, but this amendment has (as of January 2013) not entered into legal force. The 37 countries with binding targets in the second commitment period are Australia, all members of the European Union, Belarus, Croatia, Iceland, Kazakhstan, Norway, Switzerland, and Ukraine. Belarus, Kazakhstan and Ukraine have stated that they may withdraw from the Protocol or not put into legal force the Amendment with second round targets. Japan, New Zealand, and Russia have participated in Kyoto's first-round but have not taken on new targets in the second commitment period. Other developed countries without second-round targets are Canada (which withdrew from the Kyoto Protocol in 2012) and the United States (which has not ratified the Protocol). International emissions trading allows developed countries to trade their commitments under the Kyoto Protocol. They can trade emissions quotas among themselves, and can also receive credit for financing emissions reductions in developing countries. Developed countries may use emissions trading until late 2014 or 2015 to meet their first-round targets. Developing countries do not have binding targets under the Kyoto Protocol, but are still committed under the treaty to reduce their emissions. Actions taken by developed and developing countries to reduce emissions include support for renewable energy, improving energy efficiency, and reducing deforestation. Under the Protocol, emissions of developing countries are allowed to grow in accordance with their development needs. The treaty recognizes that developed countries have contributed the most to the anthropogenic build-up of carbon dioxide in the atmosphere (around 77% of emissions between 1750 and 2004), and that carbon dioxide emissions per person in developing countries (2.9 tonnes in 2010) are, on average, lower than emissions per person in developed countries (10.4 tonnes in 2010). A number of developed countries have commented that the Kyoto targets only apply to a small share of annual global emissions. Countries with second-round Kyoto targets made up 13.4% of annual global anthropogenic greenhouse gas emissions in 2010. Many developing countries have emphasized the need for developed countries to have strong, binding emissions targets. At the global scale, existing policies appear to be too weak to prevent global warming exceeding 2 or 1.5 degrees Celsius, relative to the pre-industrial level.
I would like to know the names of all the satellites launched by India? by bharti a
Q: it is my project work .I want all the details of the artificial satellites launched by India
A: The Indian Space Research Organisation (ISRO) is India's national space agency. With its headquarters in Bangalore, the ISRO employs approximately 20,000 people. This is not a small-time organisation, therefore. First thing to point out is that India offers a satellite-launching facility to other countries who lack the rocketry and other resources to put their own satellites into orbit. e.g. on April 23 2007 a PSLV-C8 rocket successfully placed an Italian satellite, AGILE into its orbit. And you may want to distinguish between Indian satellites (i.e. made by India) launched by India and those made elsewhere that piggybacked a ride on an Indian rocket. INDIAN SATELLITE PROGRAMME Since its formation, ISRO has launched numerous satellites; they include the IRS (Indian Remote Sensing) satellite series, the INSAT (Indian National Satellite) series (in Geo-Stationary orbit), the GSAT series (launched using GSLV) and METSAT 1 (launched by PSLV). As of 2007, the total number of satellites of all varieties built by ISRO is 45. INSAT series The Insat series of satellites includes the 1 (A, B, C, D), 2 (A, B, C, D), 3 (A, B, C, E) and 4 (A, B, C) series. They provide Communication and Television relay services all over India. Most of these satellites were launched by the Arianespace for ISRO. IRS series The IRS series provide remote sensing services and are composed of the 1 (A, B, C, D). The future versions are named based on their area of application including OceanSat, CartoSat, ResourceSat. Some of the satellites have alternate designations based on the launch number and vehicle. METSAT/Kalpana series METSAT or Meteorological Satellite, is the first satellite built by ISRO to provide meteorological information and data. In 2003, METSAT was renamed as Kalpana in honour of the late astronaut Kalpana Chawla. METSAT 2/Kalpana 2 is expected to be launched by 2007 Technology Experiment Satellite As the name suggests, Technology Experiment Satellite is an experimental satellite aimed primarily at fulfilling the role of spy satellite. The satellite has an image resolution of 1m or less, making India the only country after US to offer such high-resolution images commercially. The Kargil War prompted the rapid inclusion of a dedicated espionage satellite. It was first used to produce images of Iraqi military installations that were destroyed after US invasion in 2003. Future plans Chandrayaan I (Original Configuration)ISRO has begun the development of a mission to the Moon, named Chandrayaan-1. It will be India's first step towards exploration of deep space. In 2005, the Indian government approved Rs.364 crore (3,640,000,000) Indian rupees for the planned moon mission expected to be launched by 2008. It is interesting to note that apart from ISRO made instruments, Chandrayaan carries science instruments from NASA and ESA as opportunity payloads free of cost and with the understanding of sharing the data from the instruments. If the mission goes as planned, ISRO would be the sixth space agency in the world, after the Soviet Union, NASA, Japan, European Space Agency and China, to have sent an unmanned mission to the Moon. ISRO also plans to undertake a totally indigenous manned space exploration in the next decade by planning to send a person to space by 2014. ISRO has started the development of the next launch vehicle version, known as the GSLV Mark-III, with an indigenous cryogenic engine capable of launching satellites weighing up to 6 tons in the final configuration. ISRO will be launching various satellites for European and Russian space programs including Agile and the GLONASS series of navigation satellites. In December 2005, during the annual Indo-Russian summit in Moscow, the two states agreed on joint development of the GLONASS-K series, which will be launched by Indian launchers. ISRO also plans to launch payloads SRE-1, RISAT-1, ASTROSAT, OCEANSAT series, INSAT series, CARTOSAT series, and GSAT series over the next couple of years. The RLV-TD, a technology demonstrator of possible scramjet launch technology, will fly around 2008.
What were the ten recommendations given by Obama to improve the economy, education, and immigration in the US? by LithAlex
Q: I kind of missed them, can anyone expain?
A: Here is the full text of the speech, if you can read. Meanwhile, since you probably won't want to be confronted by the facts, I'll do it for you, although I'm not sure I'll do all ten: Thanks to the tax cuts we passed, Americans' paychecks are a little bigger today. Every business can write off the full cost of new investments that they make this year. And these steps, taken by Democrats and Republicans, will grow the economy and add to the more than 1 million private sector jobs created last year. We know what it takes to compete for the jobs and industries of our time. We need to out-innovate, out-educate and out-build the rest of the world. The first step in winning the future is encouraging American innovation. ...We'll invest in biomedical research, information technology and especially clean energy technology an investment that will strengthen our security, protect our planet and create countless new jobs for our people...And to help pay for it, I'm asking Congress to eliminate the billions in taxpayer dollars we currently give to oil companies. But if we want to win the future — if we want innovation to produce jobs in America and not overseas — then we also have to win the race to educate our kids...We need to teach our kids that it's not just the winner of the Super Bowl who deserves to be celebrated, but the winner of the science fair...To all 50 states, we said, "If you show us the most innovative plans to improve teacher quality and student achievement, we'll show you the money." ...For less than 1 percent of what we spend on education each year, it has led over 40 states to raise their standards for teaching and learning...In South Korea, teachers are known as "nation builders." Here in America, it's time we treated the people who educate our children with the same level of respect...We want to reward good teachers and stop making excuses for bad ones...That's why we've ended the unwarranted taxpayer subsidies that went to banks and used the savings to make college affordable for millions of students. And this year, I ask Congress to go further and make permanent our tuition tax credit — worth $10,000 for four years of college. It's the right thing to do... Now, I strongly believe that we should take on, once and for all, the issue of illegal immigration. And I am prepared to work with Republicans and Democrats to protect our borders, enforce our laws and address the millions of undocumented workers who are now living in the shadows. To attract new businesses to our shores, we need the fastest, most reliable ways to move people, goods, and information — from high-speed rail to high-speed Internet...We'll put more Americans to work repairing crumbling roads and bridges. We'll make sure this is fully paid for, attract private investment and pick projects based (on) what's best for the economy, not politicians...Within the next five years, we'll make it possible for businesses to deploy the next generation of high-speed wireless coverage to 98 percent of all Americans... I'm asking Democrats and Republicans to simplify the (tax) system. Get rid of the loopholes. Level the playing field. And use the savings to lower the corporate tax rate for the first time in 25 years — without adding to our deficit. It can be done. To help businesses sell more products abroad, we set a goal of doubling our exports by 2014 — because the more we export, the more jobs we create here at home...Recently, we signed agreements with India and China that will support more than 250,000 jobs here in the United States. And last month, we finalized a trade agreement with South Korea that will support at least 70,000 American jobs... You can read the rest yourself. And anyone who cannot explain them to you didn't listen.
How was the Afghanistan war a threat to the USSR in the 1980s? by passionfruit818
Q: Have to write a very hard question for history! please help!
A: It will be even harder for you to write an answer to this question, when you ask others on Yahoo! Answers who have never taken the time or energy to actually research the topic in question: The Soviet-Afghan War (1980-1989) - - (Subject essay: James von Geldern) On December 25, 1979, Soviet troops entered the territory of the socialist republic of Afghanistan at the invitation of the present government. Its leader, Hafizullah Amin, who had taken power by executing his predecessor, Nur Mohammad Taraki, was now himself executed by Babrak Karmal, a new Soviet-installed leader flown in directly from the Soviet Union. In retrospect, it was not a wise decision. Taraki had taken power in April 1978, when army officers had ousted an non-aligned government that had itself ousted the monarchy in 1975. Headed by Taraki, this regime was friendly to the Soviet Union, and pursued secularist reforms similar to those once implemented in Soviet Central Asia, including secular education, equal rights for women, land reforms, and other administrative reforms. Internal frictions led to Taraki's ouster soon after he had won the support of Leonid Brezhnev, leaving the Soviet leader feeling betrayed. The invasion, or "exertion of fraternal aid" in classic Soviet parlance, was a chance to square accounts. Though justified by the terms of the 1978 Treaty of Friendship between the two countries, and undertaken "in defense of the gains of the revolution," the invasion did not account for underlying causes. The invasion was NOT the result of any threat to the USSR. Characteristic of foreign policy decisions in the late Brezhnev-era were the small circle of advisors consulted, the overly personal approach taken by Brezhnev and his closest associates, and the reliance on raw power over nuanced understanding. Though firmly in power by dint of armed superiority and Soviet support, the Afghan Communist Party was riddled with factions and had little support from the population. Islamic resistance first aroused by the Taraki reforms was organized and capable of small-scale armed resistance by the time of the invasion. Although unable to engage Soviet troops in open battle, resistance fighters who called themselves mujahideen used the mountainous terrain to their advantage in guerrilla warfare. Soon they united inside Afghanistan and across the Pakistani border in Peshawar to resist the invaders and the Soviet-backed Afghan Army. The "temporary" conflict would continue for ten years, ending in Soviet withdrawal. The united forces of the mujahideen were a threat to the Afghan Communist Party's power. The war, fueled by and fueler of Cold War anxieties, operated on the law of unintended consequences. Plans for a minor palace coup did not consider the possibility of a long-term war between peoples. The Soviet government was forced to increase the size of its armed forces and to draft more young man into the line of fire. Tens of thousands of them returned home in body bags or disfigured by modern weaponry. The war provided a divisive issue right when the dissident movement was at its peak, and diverted funding from the stagnant civilian economy as it ground to a halt. It destroyed the already ailing relationship with the western nations, and undermined Soviet relations with the Third World. Following the bizarre logic of the Cold War, in which the enemy of my enemy is my friend, it caused the United States, recently rocked by the Islamic revolution in Iran, to become an ardent supporter and arms supplying to the Islamic revolt in Afghanistan. The only threat to the USSR was of a long, drawn-out, costly war against the mujahideen (who were supplied by Pakistan, Saudi Arabia, and the U.S.A.) which could never be won. Once this point was reached, the USSR had the sense to withdraw in 1989, rather unlike the U.S.-NATO alliance today, which will stay until 2014, fighting the very same mujahideen, the Taliban (and other groups).
Why does the US armed forces have a huge presence in Germany? by wildstyle89
Q: I'm not from either country but I've met so many American soldiers or people from American living in Germany that were raised in a Us-military family. Seems kinda odd that there's so many or maybe it's just a major coincidence?
A: You ain't half right! As of 31 December 2010 US forces were stationed in 150 countries a massive 103,700 in Afghanistan, and an even more surprising number in Germany... 52,440. Yes i am too unsure why Germany would allow such a huge amount of foreign force into their country but the answer is simple. A quote from Wikipedia -"The rationale behind the large number of closures is that the strategic functions of the bases, originally designed ^TO SERVE AS FORWARD POSTS IN CASE OF A WAR WITH THE SOVIET UNION^, are no longer relevant since the end of the Cold War." After The Cold War the soldiers were kept their to act act from a 2nd party country meaning it gives the U.S a bigger and more expanse of power projection. As Mentioned by others 103,700 in Afghanistan, the 52,440 in Germany , the 35,688 in Japan (USFJ), the 28,500 in Republic of Korea (USFK), the 9,660 in Italy, and the 9,015 in the United Kingdom respectively. So yes... It was in case of a outbreak of war. So they peppered Germany with outposts to defend earlier on in the battle. I think they have kept an active force in Germany due to the ongoing tensions with the Russian. Below are all the US Army bases in Germany, and their closure dates if they are due to close. America by doing this are actually creating a Network of separate forces that they can choose from depending on their distance. For example. If there was a war in France The American soldier from Germany would help out. The United Kingdom is a key part in the united states missile defense system, having multiple silo's in the UK. Artillery Kaserne, Garmisch-Partenkirchen Askren Manors Housing Area, Schweinfurt (scheduled to close 2015) Bamberg Local Training Area, Bamberg (scheduled to close 2015) Barton Barracks, Ansbach Benjamin Franklin Village, Mannheim (Scheduled to close December 2012) Bismarck Kaserne, Ansbach Bleidorn Housing Area, Ansbach Campbell Barracks, Heidelberg (Scheduled to close 2015) Coleman Barracks, Mannheim (Scheduled to close 2015) Conn Barracks, Schweinfurt (scheduled to close 2015) Dagger Complex, Darmstadt Training Center Griesheim Funari Barracks, Mannheim (Scheduled to close December 2012) Germersheim Army Depot, Germersheim Grafenwöhr Training Area, Grafenwöhr/Vilseck Hammonds Barracks, Mannheim Heidelberg Army Airfield, Heidelberg Hohenfels Training Area/Joint Multinational Readiness Center, Hohenfels (Upper Palatinate) Husterhoeh Kaserne, Pirmasens Kaiserslautern Military Community Katterbach Kaserne, Ansbach Kelley Barracks, Stuttgart Kilbourne Kaserne, Schwetzingen (Scheduled to close 2015) Kleber Kaserne, Kaiserslautern Military Community Lampertheim Training Area, Lampertheim (Scheduled to close 2015) Landstuhl Regional Medical Center, Landstuhl Ledward Barracks, Schweinfurt (scheduled to close 2015) Mark Twain Village, Heidelberg (Scheduled to close 2015) McCully Barracks, Wackernheim Miesau Army Depot, Miesau Nachrichten Kaserne, Heidelberg (Scheduled to close 2015) Oberdachstetten Storage Area, Ansbach Panzer Kaserne, Stuttgart Patch Barracks, Stuttgart Pulaski Barracks, Kaiserslautern Patrick Henry Village, Heidelberg (Scheduled to close late 2014) Patton Barracks, Heidelberg (Scheduled to close 2015) Rhein Ordnance Barracks, Kaiserslautern Robinson Barracks, Stuttgart Rose Barracks, Vilseck Rottershausen Storage Area, Schweinfurt Sembach Kaserne, Kaiserslautern Shipton Kaserne, Ansbach Smith Barracks, Baumholder Spinelli Barracks, Mannheim (Scheduled to close 2015) Storck Barracks, Illesheim Stuttgart Airport, Stuttgart Sullivan Barracks, Mannheim (Scheduled to close 2014) Tompkins Barracks, Schwetzingen (Scheduled to close 2015) Wiesbaden Army Airfield, Wiesbaden Storage Station, Mainz-Kastel Warner Barracks, Bamberg (Scheduled to close 2015) USAG Wiesbaden Military Training Area, Mainz Gonsenheim/Mombach USAG Wiesbaden Training Area, Mainz Finthen Airport USAG Wiesbaden Radar Station, Mainz Finthen Airport Urlas Housing and Shopping Complex, Ansbach (converted from Urlas Training Area in 2010-2011) Yorktown Housing Complex, Schweinfurt (scheduled to close 2015) Anderson Barracks, Dexheim (will reopen) BFV [Mannheim] (scheduled to close in September 2012) Cheers, Luke
Why are republicans blaming black people when their generation created that environment? by Demand Destruction
Q: Wal-Mart dropped their made in America slogan way before Obama. Generation outsources republican party is why Detroit is the way it is. Detroit voted democratic for years because they are more likely to help others when capitalism fails to provide enough jobs. Baby boomers republican party is done. other then a few daddy's boys. I love guns and hate abortions but I don't vote republican.
A: You're woefully uninformed about Detroit, my friend. Mismanagement, ineptitude, and malfeasance by corrupt liberal politicians and corrupt liberal unions since the late 1950's caused the downfall of Detroit. It is NOT (and has never been) the responsibility of any industry to sustain a city, or a state, or a country. If a city fails, government is to blame. The Big Three abandoned Detroit after the race riots of the '60's because mayor Coleman Young (a black Democrat) made it very clear to white residents and white business owners that they would not be protected by the police or city hall. They were also tired of paying the exhorbitant taxes. If you were in business and trying to make money, would YOU continue to throw money away in a city where your workers were not safe and the city kept taking more and more of your earnings? Is it the fault of the Big Three that the city of Detroit continued to spend money it didn't have? Is it the fault of the Big Three that the members of the Detroit City Council (over 80% of whom have been black Democrats since 1960) were and still are the highest paid city council members per capita in the entire country? Is it the fault of the Big Three that former mayor Kwame Kilpatrick (yes, another black Democrat) was convicted of bribery and extortion and now faces 20 years in Federal prison? Is it the fault of the Big Three that the pension funds of Detroit city workers were mismanaged, plundered, and embezzled from? Is it the fault of the Big Three that current mayor Dave Bing (yes, yet ANOTHER black Democrat) back-doored emergency manager Kevyn Orr to ensure that he continues to draw his full salary until he gets thrown out of office? Wake up and smell the coffee. Detroit is a poster-child for what happens when you allow liberals to run anything. It's like the former PM of the UK and our former President said: The problem with socialism is eventually you run out of other people's money. But to answer your question: Republicans don't paint with a broad brush and blame ALL blacks for everything. We blame anyone, regardless of race or ethnicity, for the tax burden of government assistance programs when they're perfectly capable of working but CHOOSE not to and instead try to game the system in every way. We blame anyone, regardless of race or ethnicity, for living at or below the poverty line when they didn't and don't take advantage of their opportunities to get an education, or experience, or special skills. We blame anyone, regardless of race or ethnicity, for perpetuating a permanent underclass when they continue to have children they know they can't afford to feed (I have a WHITE cousin who continues to bear the brunt of my wrath because he and his wife have 10 children and neither of them work). We blame anyone, regardless of race or ethnicity, who sits back and does nothing about their problems but instead expects big government to fix everything. Mark my words: The Republican Party is NOT done. When OBAMATAX is implemented in January 2014, people are going to wake up to find they have less income, more taxes, and a lower standard of health care. The Republicans are going to gain more seats in the House and Senate in 2014 and by 2016 the American people will be BEGGING for another Republican in The White House.
Moving from FL to Canada with a financed car? by Alvaro
Q: I'm relocating next year 2014 to Vancouver, BC and I will live in WA state for a few months prior to the move. My car is financed through my long time credit union down here in South Fl and I still have about 4 years left on my term loan. Given that my migratory status will be all squared by then and I am going to relocate, can I take my car with me? I am almost positive my bank will say "no you can't take it across the border" what are some alternatives?
A: It will be a lot easier to pay it off first before bringing the car to Canada. But actually this is done all the time. If you just do it and still make your payments, they may never even notice. If you fail to make your payments in Canada, US finance companies have no trouble reaching you in Canada. It is all one big system between the two countries. However, if you want to register the car in Canada, you will likely need the title to "export" the car from the USA or maybe a release document of some sort from the finance company that they know about this. When you get to Canada you will have zero credit. When you go to a bank for a Canadian credit card, you have to demand they check your US credit. They will say they cannot do that but in reality, the big banks like TD Canada Trust can do it if you demand that the bank worker asks the people at head office to do it.
If Obama's ideas are so great why has he it implemented at least one during the four years? by Dooldy Do
Q: The auto companies are worse off than before Obama gave GM to the union and the are still bankrupt and owe the taxpayer 23 billion Jeep part of Chrysler was GIVEN to Fiat, more people unemployed, under employed, have given up and are not even looking for work added 6 TRILLION dollars to the debt and all he has is more spending in his campaign....IGNORANCE GONE TO SEED
A: Getting agreement with the Russians to reduce Nuclear Weapons arsenals from being able to destroy the world 300 times to JUST 15 times over. 1. Passed Health Care Reform: After five presidents over a century failed to create universal health insurance, signed the Affordable Care Act (2010). It will cover 32 million uninsured Americans beginning in 2014 and mandates a suite of experimental measures to cut health care cost growth, the number one cause of America’s long-term fiscal problems. 2. Passed the Stimulus: Signed $787 billion American Recovery and Reinvestment Act in 2009 to spur economic growth amid greatest recession since the Great Depression. Weeks after stimulus went into effect, unemployment claims began to subside. Twelve months later, the private sector began producing more jobs than it was losing, and it has continued to do so for twenty-three straight months, creating a total of nearly 3.7 million new private-sector jobs. 3. Passed Wall Street Reform: Signed the Dodd-Frank Wall Street Reform and Consumer Protection Act (2010) to re-regulate the financial sector after its practices caused the Great Recession. 4. Ended the War in Iraq: Ordered all U.S. military forces out of the country. Last troops left on December 18, 2011. 5. Began Drawdown of War in Afghanistan: From a peak of 101,000 troops in June 2011, U.S. forces are now down to 91,000, with 23,000 slated to leave by the end of summer 2012. 6. Eliminated Osama bin laden: In 2011, ordered special forces raid of secret compound in Abbottabad, Pakistan, in which the terrorist leader was killed and a trove of al-Qaeda documents was discovered. 7. Turned Around U.S. Auto Industry: In 2009, injected $62 billion in federal money (on top of $13.4 billion in loans from the Bush administration) into ailing GM and Chrysler in return for equity stakes and agreements for massive restructuring. Since bottoming out in 2009, the auto industry has added more than 100,000 jobs. 8. Recapitalized Banks: In the midst of financial crisis, approved controversial Treasury Department plan to lure private capital into the country’s largest banks via “stress tests” of their balance sheets and a public-private fund to buy their “toxic” assets. Got banks back on their feet at essentially zero cost to the government. 9. Repealed “Don’t Ask, Don’t Tell”: Ended 1990s-era restriction and formalized new policy allowing gays and lesbians to serve openly in the military for the first time. 10. Toppled Moammar Gaddafi: In March 2011, joined a coalition of European and Arab governments in military action, including air power and naval blockade, against Gaddafi regime. 11. Told Mubarak to Go: On February 1, 2011, publicly called on Egyptian President Hosni Mubarak to accept reform or step down, thus weakening the dictator’s position. 12. Reversed Bush Torture Policies: Two days after taking office, nullified Bush-era rulings that had allowed detainees in U.S. custody to undergo certain “enhanced” interrogation techniques considered inhumane under the Geneva Conventions. 13. Improved America’s Image Abroad: With new policies, diplomacy, and rhetoric, reversed a sharp decline in world opinion toward the U.S. 14. Kicked Banks Out of Federal Student Loan Program, Expanded Pell Grant Spending: As part of the 2010 health care reform bill, signed measure ending the wasteful decades-old practice of subsidizing banks to provide college loans. 15. Created Race to the Top: With funds from stimulus, started $4.35 billion program of competitive grants to encourage and reward states for education reform. 16. Boosted Fuel Efficiency Standards: Released new fuel efficiency standards in 2011 that will nearly double the fuel economy for cars and trucks by 2025.
How will the health care bill affect my family? by Jane
Q: We have one kid I guess part of it, my little bro whos 11. My family is upper-middle class.
Im 20, so I don't think I apply.
My parents are professors at a college, my dad is an engineer/architect, and on the board of directors of his own company. Our income is pretty high, but we can only cover 80% of our expenses (my brother needs growth hormone and my mom had ovarian stage 3 last year)
How much will we be taxed? How much coverage would we get???
A: Reprints This copy is for your personal, noncommercial use only. You can order presentation-ready copies for distribution to your colleagues, clients or customers here or use the "Reprints" tool that appears next to any article. Visit www.nytreprints.com for samples and additional information. Order a reprint of this article now. March 21, 2010 For Consumers, Clarity on Health Care Changes By TARA SIEGEL BERNARD American consumers, who spent a year watching Congress scratch and claw over sweeping health care legislation, can now try to figure out what the overhaul would mean for them. The uninsured are clearly the biggest beneficiaries of the legislation, which would extend the health care safety net for the lowest-income Americans. The legislation is meant to provide coverage for as many as 32 million people who have been shut out of the market — whether because insurers deem them too sick or because they cannot afford ever-rising insurance premiums. For people already covered by a large employer — most Americans, in other words — the effect would not be as significant. And yet, just about everyone might benefit from tighter insurance regulations. “We think it’s a big step forward,” said Bill Vaughan, a policy analyst at Consumers Union. “It’s going to provide a peace of mind that many Americans who really want or need health insurance will always be able to get a quality product at a reasonable price regardless of their health or financial situation.” There would be costs to consumers, too. Affluent families would be required to pay additional taxes. Most Americans would be required to have health insurance and face federal penalties if they do not buy it. And it is still unclear what effect, if any, the legislation would have on rising out-of-pocket medical costs and premiums. But there is no question that the legislation should benefit consumers in various ways. Beginning in 2014, for example, many employers — those with 50 or more workers — could face federal fines for not providing insurance coverage. Several of the other changes would take effect much sooner. Six months after the legislation is enacted, many plans would be prohibited from placing lifetime limits on medical coverage, and they could not cancel the policies of people who fall ill. Children with pre-existing conditions could not be denied coverage. And dependent children up to age 26 would be eligible for coverage under their parents’ plans — instead of the current state-by-state rules that often cut off coverage for children at 18 or 19. And within three months of the law’s taking effect, people who have been locked out of the insurance market because of a pre-existing condition would be eligible for subsidized coverage through a new high-risk insurance program. That special coverage would continue until the legislation’s engine kicks into a higher gear in 2014, when coverage would be extended to a wider part of the population through Medicaid and new state-run insurance exchanges. Those exchanges, or marketplaces, are meant to provide much more competitive, consumer-friendly online shopping centers of private insurance for people who are not able to obtain coverage through an employer. In 2014, people with pre-existing conditions could no longer be denied insurance, all lifetime and annual limits on coverage would be eliminated and new policies would be required to meet higher benefit standards. Even sooner, in 2013, affluent families with annual income above $250,000 would be required to pay an additional 3.8 percent tax on their investment income, while contributing more to the Medicare program from their payroll taxes. And eventually, the most expensive insurance policies would be subject to a new tax. Here is a look at some of the main ways the health care overhaul might affect household budgets. The Uninsured Although most Americans who do not obtain health insurance would face a federal penalty starting in 2014, many experts question how strict the enforcement of that penalty would actually be. The first year, consumers who did not have insurance would owe $95, or 1 percent of income, whichever is greater. But the penalty would subsequently rise, reaching $695, or 2 percent of income. Families who fall below the income-tax filing thresholds would not owe anything. Nor would people who cannot find a policy that costs less than 8 percent of their income, said Sara R. Collins, a vice president at the Commonwealth Fund, an independent nonprofit research group. EXPANDED MEDICAID More lower-income individuals under the age of 65 would be covered by Medicaid, the federal health insurance plan for the poor. Under the new rules, households with income up to 133 percent of the federal poverty level, or about $29,327 for a family of four, would be eligible. EXCHANGES AND SUBSIDIES Most other uninsured people would be required to buy insurance through one of the new state-run insurance exchanges. People with in
Can cons do anything but gerrymander to win city state and national votes to keep their shrinking electorate? by honesty
Q: In power?
A: A lot of house congressional districts were gerrymandered from 2010 mid-terms. They merged the boundaries into one big red local district. Nobody noticed, it was all done by stealth. The Democrats were slow to notice, until various guvnors like Scott Walker took away bargaining rights, and certain women's rights etc. People were suddenly confronted with our very democracy being threatened. Things were then set in motion . Guvnor Walker survived a historic recall just, because large amounts of outside secret money was poured into his campaign. The template was set for the presidential elections and the unions and kept their databases and organisation, and helped turn out the vote, despite desperate "voter suppression" tactics by the republicans. House Congressional seats will be up in 2014, and Democrats should put up a strong challenge for speaker Boehners and other seats Mitch McConnell too. These very people are willing to destroy the economy, and not pass job bills, just because Obama is the president, and they refuse to compromise for the good of the country, They wil never be forgiven, and will lose their jobs come the next mid-terms. Guaranteed...!!!
A hypothetical question for those against same-sex marriage? by N
Q: The year is 2014, Alabama and Alaska have just become the last two states in the union to legalize same-sex marriage. How has your marriage been affected by this? How has your life been changed by these rulings?
A: Bingo. It seems that the biggest threat to marriage is easily obtained divorces and a lack of willingness to work through the rough patches in a marriage. How did it affect marriage when interracial bans were lifted? The argument is weak at best, but is better than the crazies spouting that marriage to animals will follow closely on the heels of legalized gay marriage.
What's the difference between the Schengen area and the EU? by Celia
Q: You can both work and live without a visa in both right?
A: The European Union is a political union of 27 independent countries in Europe. Currently valid EU legislation requires all new applicants for EU membership also to become a member of the Schengen agreement. The Schengen agreement was signed 1985 by Belgium, Germany, France, Luxembourg and the Netherlands in view of opening the internal borders. Key-points of the Schengen agreement are: • harmonizing provisions relating to entry into and short stays in the Schengen area by non-EU citizens (uniform Schengen visa), • asylum matters (determining in which Member State an application for asylum may be submitted), • measures to combat cross-border drugs-related crime, • police cooperation, and • cooperation among Schengen states on judicial matters. Other EU member countries have joined successively. Those who were already EU members had the option to either join or not to join. Ireland and the United Kingdom took the option not to join in the travel part since they have maintained an open border between their countries since 1922 and the privileges to travel just with ID or proof of citizenship would have been lost. Hence they have decided not to participate in the open-border part. Denmark has joined but has chosen the option to decide in case by case basis whether to adopt new or changed policies. Iceland, Norway, and Switzerland, although not EU countries have concluded association agreements with the EU and have joined Schengen. The new EU members Bulgaria, Cyprus, and Romania are supposed to implement the Schengen agreement however approval to do so has not yet been given by the European Council. The European micro-states have not joined the agreement formally but it is de facto implemented since there were no border controls between them and the country surrounding them before Schengen got into effect. Hence holder of a Schengen visa can also visit Liechtenstein, Monaco, San Marino, and Vatican City. .. EU citizen and citizen of Iceland, Liechtenstein, Norway [EEA], and citizen of Switzerland can live and work in all countries named above. Citizen of Bulgaria and Romania who joined the EU in 2007 however are still faced with restrictions to the common labor market in certain countries until 2014. = ..
What exactly does the new health care bill mean? by Leo
Q: I don't have a very deep understanding of politics and such, and so I'd appreciate a simple, unbiased explanation of what the newly passed bill will do and how its supposed to help Americans (regardless of whether you agree it will help or not). I know this is a heated topic for some, but try to keep it civil!
A: For Consumers, Clarity on Health Care Changes By TARA SIEGEL BERNARD American consumers, who spent a year watching Congress scratch and claw over sweeping health care legislation, can now try to figure out what the overhaul would mean for them. The uninsured are clearly the biggest beneficiaries of the legislation, which would extend the health care safety net for the lowest-income Americans. The legislation is meant to provide coverage for as many as 32 million people who have been shut out of the market — whether because insurers deem them too sick or because they cannot afford ever-rising insurance premiums. For people already covered by a large employer — most Americans, in other words — the effect would not be as significant. And yet, just about everyone might benefit from tighter insurance regulations. “We think it’s a big step forward,” said Bill Vaughan, a policy analyst at Consumers Union. “It’s going to provide a peace of mind that many Americans who really want or need health insurance will always be able to get a quality product at a reasonable price regardless of their health or financial situation.” There would be costs to consumers, too. Affluent families would be required to pay additional taxes. Most Americans would be required to have health insurance and face federal penalties if they do not buy it. And it is still unclear what effect, if any, the legislation would have on rising out-of-pocket medical costs and premiums. But there is no question that the legislation should benefit consumers in various ways. Beginning in 2014, for example, many employers — those with 50 or more workers — could face federal fines for not providing insurance coverage. Several of the other changes would take effect much sooner. Six months after the legislation is enacted, many plans would be prohibited from placing lifetime limits on medical coverage, and they could not cancel the policies of people who fall ill. Children with pre-existing conditions could not be denied coverage. And dependent children up to age 26 would be eligible for coverage under their parents’ plans — instead of the current state-by-state rules that often cut off coverage for children at 18 or 19. And within three months of the law’s taking effect, people who have been locked out of the insurance market because of a pre-existing condition would be eligible for subsidized coverage through a new high-risk insurance program. That special coverage would continue until the legislation’s engine kicks into a higher gear in 2014, when coverage would be extended to a wider part of the population through Medicaid and new state-run insurance exchanges. Those exchanges, or marketplaces, are meant to provide much more competitive, consumer-friendly online shopping centers of private insurance for people who are not able to obtain coverage through an employer. In 2014, people with pre-existing conditions could no longer be denied insurance, all lifetime and annual limits on coverage would be eliminated and new policies would be required to meet higher benefit standards. Even sooner, in 2013, affluent families with annual income above $250,000 would be required to pay an additional 3.8 percent tax on their investment income, while contributing more to the Medicare program from their payroll taxes. And eventually, the most expensive insurance policies would be subject to a new tax. Here is a look at some of the main ways the health care overhaul might affect household budgets. The Uninsured Although most Americans who do not obtain health insurance would face a federal penalty starting in 2014, many experts question how strict the enforcement of that penalty would actually be. The first year, consumers who did not have insurance would owe $95, or 1 percent of income, whichever is greater. But the penalty would subsequently rise, reaching $695, or 2 percent of income. Families who fall below the income-tax filing thresholds would not owe anything. Nor would people who cannot find a policy that costs less than 8 percent of their income, said Sara R. Collins, a vice president at the Commonwealth Fund, an independent nonprofit research group. EXPANDED MEDICAID More lower-income individuals under the age of 65 would be covered by Medicaid, the federal health insurance plan for the poor. Under the new rules, households with income up to 133 percent of the federal poverty level, or about $29,327 for a family of four, would be eligible. EXCHANGES AND SUBSIDIES Most other uninsured people would be required to buy insurance through one of the new state-run insurance exchanges. People with incomes of more than 133 percent of the poverty level but less than 400 percent (that’s $29,327 to $88,200 for a family of four) would be eligible for premium subsidies through the exchanges. Premiums would also b
What other Corps got out of Obama besides McDonalds? by Obama's dividing Americans
Q: McDonalds opted out of Obamacare, they said they would have had to remove H.Care Insurance from most workers under Obamas law.
There was over 700 corps and Unions who got OPTED out from having to be ruled under Obamacare- Who else besides most the Unions who supported Obamacare ?
GOT OUT OF OBAMACARE- OOPS!
A: To the joy of Republicans, who don't care about the fact that a huge percentage of working Americans have crap for health insurance, a lot of them. :/ You think McDonald's offers it employees decent health care? No, and they shouldn't be allowed to opt out, but I have no doubt the large-corporation opt-out was pushed by Republicans. This is why any laws other than the creation of universal health coverage are bogus. _________ Uh, I was just doing some reading, and you failed to mention that all of these are only *annual* opt-outs that the companies will no longer be able to do by 2014, when the health-care reforms actually go into effect. They're not permanent opt-outs from the health-care law. Nice try, though. "He raised concerns about one-year waivers granted to states such as Ohio, Tennessee and Florida as well as waivers to companies that provide coverage to big firms such as McDonald's Corp. ... He also argued that waivers are not explicitly allowed under the health care law. "The word 'waiver' is not in there. We can't find it anywhere," said Stearns. Meanwhile, the head of the office in charge of granting the waivers said the waivers are administrated fairly through a simple process, and they are needed to address a small percentage of health plans that have annual limits on what they will pay for benefits during a single year. He added that such plans will not exist in 2014, under the healthcare law." Got that? SUCH PLANS WILL NOT EXIST IN 2014. It's NOT a permanent opt-out.
Should President Obama resign if Americans are disinsterested in his State of the Union address tonight? by Jamal Q: Original air date: January 28, 2014 What would the media do?
Will you be watching President Obama's State of the Union Address on Tuesday? by Holly
Q: The State of the Union Address outlines the focused issues for action on the agenda in 2014 and beyond.
If you will be tuning in to hear him speak, what issues are you hoping he will address?
A: No. I've heard all I need to from him. He's a demagogue. I'll judge him by his actions. What I hope he'd address - NSA spying, transparency in government, his ideas for immigration reform, his idea how to address income inequality, his view on the state of the economy, his view on getting Congress working again, his view on the state of affairs overseas, particularly Iran, Israel, Syria, Russia, China.
How do i get this bad loan taken care of when the bank just wont budge? by Girl
Q: Had a loan at credit union. Paid on it for over 3 years, never late, never missed a payment. Also had insurance on it so that if I lost my job and couldn't pay, the loan would not default. Lost my job. Credit union said could not use insurance because I was "fired" and insurance would only work if I "lost" my job. Would not lower monthly pymt. Would not accept partial pymt, only the full monthly pymt was acceptable. Closed account. Found a job where I could afford the monthly pymts again or just be able to pay anything on it. Tried to pay on it. They said they would not accept anything but the full pymt. On my credit. Want it taken off but Credit union wont work with me at all so that I can pay on it. Don't have the full $6,000 to pay it off all at once. What can I do?
I stated above, closed account. That meant the credit union closed the account.
Also, this loan went bad back in fall of 2007. All of this happened in late 2007 through early-mid 2008. It's still listed on my credit report as the credit union. They have not sold it to a collection agency
A: Negative items stay for 7 years, starting from the original default date. If you defaulted in Fall 2007, then this item will come off in Fall of 2014 Credit insurance is almost always a waste of time and money. • They have the right to demand the entire amount after you defaulted. What state are you in? This debt "may" be past the statute of limitations for your state and could be time barred. You can usually negotiate big settlements on old debts like this...however, they might not do this. The way to pay old defaults like this is to settle for less all at once up front, like $2,000 or so, with all terms in writing BEFORE you pay. • If you are not in any position to settle this debt in full up front, then don't take the risk of contacting the credit union as you could provoke some nasty collection activity. Absolutely do not waste your time trying to get on a payment plan for this debt as they almost never turn out well...i.e. they would probably take your payments for a year or so then turn around and sell the debt to a collection agency or take you to court. • FYI: Even if you did pay then back the full $6,000 tomorrow, this negative item would STILL stay on your credit report for one more year...so you would not be helping your credit. • How to pay collection accounts:
What will happen is the Scottish Referendum is passed? by Daniel
Q: What will happen if the September 2014 Scottish Referendum is passed? Would Scotland become and independent nation with their own leader/monarch or would they still recognize the British Crown as their monarch, much like Canada?
A: The referendum is about dissolving the Union of Parliaments (1707), not the Union of the Crowns (1603). The current situation is to have the Queen as head of state, but Scotland could choose to change this at a later date if it was deemed so.
I need some questions about the State of the Union 2014? by Natalie Q: I'm watching it now and I need to write down some questions I have, but I honestly can't think of any. So any questions you can think of during this State of the Union talk would be great! Or even some comments you have about this speech would be very helpful. Thank you!