Friday, July 22, 2011

Financial Offers in Non-profit Conditions at Online Loans ...

Financial Offers in Non-profit Conditions at Online Loans

You?ll find different aspects that refrains most of the people from getting lending options. Generally the process of applying for loans gets stuck due to its sluggish processing time, lawful hassles, and higher interest rates. This leaves the person obtaining financial situation with a bad experience. But now with the onset of online loans, loan candidates can effortlessly get over these issues as they are provided lots of choices to select from.

Because the beginning of online loans, it has totally modified the trend of getting financial situation. The flexibility during these loans comes within the type of amount, repayment routine and benevolent terms and conditions. Debtor applying for the loans can obtain by registering online. The debtor has to just fill an online form with the required details like amount needed, reason for the amount required and some personal details. After that, the quantity gets approved instantly without any delay.

Like every typical financial loans, these loans are offered in guaranteed and unguaranteed type. Secured type of the loans can be acquired by pledging any kind of resource for instance house, real estate and so forth as guarantee from the borrowed quantity. The quantity offered under this choice will depend on the fairness value of collateral. Besides, pledging the guarantee also assures low monthly interest on the lending options.

Unsecured choice of the loans can be accessed without placing any resource. The security free condition paves the way for individuals like renters and non property owners to avail the lending options. Homeowners who don?t need to attach any collateral may also submit an application for the lending options. However, without any collateral the rates of interest will be slightly higher.

The interest rates for the loans are relatively low when compared with other loans. It is due to the existence of massive quantity of lenders and their prevailing competition. Normally to attract the borrowers, they offer these financing options at limited rates. Bad credit individuals may also find the best accessible deals on the loans here.

Online loans not merely offers financial help, but also benevolent conditions and terms making the encounter a worth one for the debtor.

Know some important information about online loan financing and loans for people with bad credit online now!!!

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Source: http://financehelpnews.com/business-finance/financial-offers-in-non-profit-conditions-at-online-loans

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Thursday, July 21, 2011

Hake'sEdStuff: Re: Scientific illiteracy can kill the planet

Some blog followers may be interested in a recent discussion list post titled ?Re: Scientific illiteracy can kill the planet,? reproduced below:

Art Hobson (2011) in his Physoc post ?Scientific illiteracy can kill the planet? wrote [paraphrasing; my inserts at ?. . . .[[insert]]. . . .?]:

?U.S. Rep. Ed Whitfield (R-Ky). . . . .[[ http://whitfield.house.gov/ and http://whitfield.house.gov/issues/energy.shtml]]. . . . is chairman of the House Subcommittee on Energy and Power . . . . .[[ http://energycommerce.house.gov/]]. . . . .. His scientific illiteracy - as reported in the NYT by Marshall & Lehmann (2011) - worries me. But the likely scientific illiteracy of the people who elected him worries me a lot more. . . .[[see the caricatures of a voter and Whitfield on page 13 of Hake (2011) near the panel ?Scientifically illiterate voters elect scientifically illiterate leaders?]].... Physics teachers can and should help. We need to teach societal topics such as climate change and, more importantly, critical thinking in our introductory courses.?

And even more importantly work to upgrade the science/math education of prospective K-12 teachers.

In "Should the Culture of University Science Education Be Changed?"[Hake (2011) I wrote [bracketed by lines "HHHHH. . . .":

HHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH
In a recent Science article ?Changing the Culture of Science Education at Research Universities? [Anderson et al. (2011)], thirteen biology research scientists, all Howard Hughes Medical Institute Fellows, deplore the prevalent university reward systems that ?heavily weights efforts of many professors toward research at the expense of teaching.? They advocate seven initiatives that might help to address ?widespread concern about educating enough scientists and scientifically literate citizens." Of primary concern in this essay is Initiative #1: "Educate faculty about research on learning. . . ." This is especially important if faculty are to play a prominent role in adequately educating prospective K-12 teachers, who might then, in turn, enhance the science/math literacy of the general population.

In that regard, I review an essay ?The General Population's Ignorance of Science Related Societal Issues: A Challenge for the University? [Hake (2000)] based on an earlier libretto The Science Illiteracy Crisis: A Challenge for the University [Hake (1989)], with the leitmotiv: ?The road to U.S. science literacy begins with effective university science courses for pre-college teachers.? The opera dramatizes the fact that the failure of universities throughout the universe to properly educate pre-college teachers is responsible for our failure to observe any signs of extraterrestrial intelligence.
HHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH

Richard Hake, Emeritus Professor of Physics, Indiana University
Honorary Member, Curmudgeon Lodge of Deventer, The Netherlands
President, PEdants for Definitive Academic References which
Recognize the Invention of the Internet (PEDARRII)
rrhake@earthlink.net
http://www.physics.indiana.edu/~hake
http://www.physics.indiana.edu/~sdi
http://HakesEdStuff.blogspot.com
http://iub.academia.edu/RichardHake

REFERENCES
Anderson, W.A., U. Banerjee, C.L. Drennan, S.C.R. Elgin, I.R. Epstein, J. Handelsman, G.F. Hatfull, R. Losick, D.K. O'Dowd, B.M. Olivera, S.A. Strobel, G.C. Walker, I.M. Warner. 2011. ?Changing the Culture of Science Education at Research Universities: Universities must better recognize, reward, and support the efforts of researchers who are also excellent and dedicated teachers,? Science, 14 January, 331(6014): 152-153: online as a 172 kB pdf at http://bit.ly/eSLoCl ; supporting online references suggested by R.R. Hake are at http://bit.ly/g24Iqm [over 75 references and 90 hot links relevant to (1) Undergraduate Education Reform, and (2) Biology Education Reform.

Hake, R.R. 2000. ?The General Population's Ignorance of Science Related Societal Issues: A Challenge for the University,? AAPT Announcer 30(2): 105; online as a 2.1 MB pdf at http://bit.ly/9LxKOL .

Hake, R.R. 2011. Invited talk, ?Should the Culture of University Science Education Be Changed,? Southern California Section of the AAPT, 14 May 2011, Pierce College, Woodland Hills, CA; online as a 3.2 MB pdf at http://bit.ly/iegznz and as reference #63 at http://bit.ly/b2UsK6. The abstract and link to the complete post are on my blog ?Hake?sEdStuff? at http://bit.ly/lCyN97 with a provision for comments.

Hobson, A. 2011. ?Scientific illiteracy can kill the planet,? Physoc post of 19 Jul 2011 10:40:25-0500; online at http://bit.ly/ofFjHn. To access the archives of PHYSOC one needs to subscribe : - ( , but that takes only a few minutes by clicking on http://bit.ly/dVm2AM and then clicking on ?Join or leave the list (or change settings).? If you?re busy, then subscribe using the ?NOMAIL? option under ?Miscellaneous.? Then, as a subscriber, you may access the archives and/or post messages at any time, while receiving NO MAIL from the list!

Marshall, C. & E. Lehmann. 2011. ?AEP Move to Stop Carbon Capture and Sequestration Project Shocks Utilities, Miners,? New York Times, 15 July; online at http://nyti.ms/on6ssu . . . . .[[AEP = American Electric Power, an Ohio-based utility]]. . . . The report quotes Whitfield: ? ?I'm not really in favor of government subsidies for CCS or wind power or anything else,? said Changing the Culture of Science Education (R-Ky.), chairman of the Subcommittee on Energy and Power. He supports private pursuit of CCS, because it can provide jobs in the coal sector -- but not because it addresses climate change, which he says human activity is barely affecting. ?I think human activity is contributing to it, but I think the amount we're contributing is so small,? he said yesterday. ?For example, that big volcano eruption in the Philippines spewed more carbon dioxide in the world -- into the atmosphere -- than all the activity prior to that in human history. So yeah, I think human activity is contributing to it, but I don't think it's something to be so alarmist about.? ?

Source: http://hakesedstuff.blogspot.com/2011/07/re-scientific-illiteracy-can-kill.html

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Tuesday, July 19, 2011

Egyptians fear army rulers acting as new Mubaraks (AP)

CAIRO ? The soldiers shouted, "Raise your head high, you're Egyptian."

It was one of the most inspiring chants by young protesters during Egypt's revolution, encapsulating the newfound pride of a people rising up after a lifetime of humiliation under authoritarian rule.

From the soldiers, it was a taunt.

They barked it over and over at an activist lying belly down on the ground, stripped to his boxers, his hands and right leg tied behind his back. Each time Ramy Issam obeyed, he said, a soldier would stomp his head back onto the marble of the courtyard in Cairo's Egyptian Museum.

To the youth who led the protests and to a growing number of Egyptians, the secretive council of top generals that now rules the country is looking too much like the regime it replaced ? authoritarian, ready to use brutal tactics and out of touch with the nation's aspirations.

The military, which was greeted with cheers when it pushed out longtime president Hosni Mubarak in February, has proclaimed its embrace of the revolution and democratic elections later this year. But protesters have returned to Tahrir Square, holding a sit-in since July 8, to complain that the military has hijacked the transition and has been reluctant to purge members of the old regime.

Reported abuses add a darker undertone to those complaints. There have been multiple reports of torture of detainees. To an unprecedented extent, the army has also been bringing civilians before military courts, notorious for their swift rulings with little chance for defense. In five months, more than 10,000 civilians have been put on military trial, including protesters, activists and at least one journalist who wrote an article critical of the army, according to rights groups tracking the detentions.

"The revolution has been stolen by the military council," said Issam, the long-haired "Singer of the Revolution" who is known for rousing the crowd in Tahrir Square with political tunes on his Spanish guitar. "We made the revolution and we gave it to the military council on a silver platter. But everyone must know that we have learned how to say 'No.'"

Issam seemed close to tears as he visited the Egyptian Museum in early July for the first time since his detention and recounted his ordeal to an Associated Press reporter.

He was among dozens grabbed by soldiers who broke up a March 9 sit-in in Tahrir protesting the generals' slowness in implementing the revolution's post-Mubarak demands.

Issam and the others were dragged to the nearby museum, the treasure trove of pharaonic antiquities that the military used as an impromptu base at times during the uprising. There, Issam says, he was beaten by wooden sticks and iron rods and given electric shocks. His hair was cut off with broken glass.

After a public outcry over that day's crackdown, the council promised to review reports of torture, but no results of a review have been make public. It also admitted that some detained women were forced to take humiliating "virginity tests," and it said the practice would not be repeated.

Amid the beatings, Issam recalled the warning shouted at him by one of the officers:

"We will make you know who are the real masters of this country."

> ___

The irony of Egypt's revolution was that it put one of the pillars of Mubarak's regime in control of the process of dismantling that regime.

The contradiction has caused much of the friction since Mubarak's Feb. 11 fall, as the young activists who led the uprising push for dramatic democratic change in the face of what they see as resistance from the ruling Supreme Council of the Armed Forces, made up of generals in their 60s to 80s, all appointed by Mubarak.

The council says it is committed to change and that it consults frequently with all political factions. But the council has rarely amended its transition plan or moved against former regime figures without the pressure of new street demonstrations ? and even then its concessions have been partial.

And an attitude seen as paternalistic has rankled revolutionaries whose uprising was in great part against the "we will tell you what's best" tone of Mubarak's regime.

In response to the new protest camp in Tahrir, council member Maj. Gen. Mohsen el-Fangari went on state TV last week to repeat vows to hand over power after elections. But he also sternly warned that the military will not put up with "deviations" by protesters that "harm the nation's interests." As he spoke, he wagged his finger at the camera.

The scolding brought open ridicule. Newspaper cartoons depicted parents using the general's speech to frighten naughty children.

Few believe that the council, led by Field Marshal Hussein Tantawi, wants to directly rule beyond the election. But protesters suspect it aims to keep as much as the old regime in place as it can and preserve the military's own status as the ultimate arbiters in the country.

Since the 1952 army coup that toppled the monarchy, the military has suffused Egypt's regime. All four presidents in this country of 80 million have come from the military. Generals were given lucrative and important jobs on retirement, including as provincial governors, mayors, heads of state-owned companies and ambassadors.

Other forces dominated the state's workings, particularly Mubarak's ruling party and the powerful internal security forces. The military stood above the fray, content with its perks, including billions in U.S. aid. Criticism of it was unheard of ? any news article about it had to be cleared by military censors, so most media stopped trying to report on it.

After Mubarak's fall, the military council declared itself the "protector" of the revolution, capitalizing on its decision not to fire on protesters during the 18-day uprising.

But as the country's politicians debate what the status of the military should be in the new Egypt, activists warn it isn't necessarily a force for democracy.

"We are repeatedly told that the army in Egypt is great because it does not do what the armies of Syria and Libya are doing to regime opponents there," said activist Mona Seif el-Islam. "It is not true. The army here is just as dirty but in a different way."

> ___

On Jan. 28, Cairo fell into looting and arson on one of the uprising's most tumultuous days. Mohammed Adel, a bank employee swept up in revolutionary enthusiasm, boldly went up to an army officer near the museum and asked why his troops were not protecting the building from thieves.

The officer promptly arrested him.

The 32-year-old became one of the first of thousands put on military trial. In a hearing lasting minutes, the court sentenced him to five years in prison on charges of stealing artifacts from the museum, said his lawyer, Mustafa Mahmoud.

His mother, Nariman, who has visited him repeatedly in prison, said Adel told her he had been beaten and tortured by electric shocks.

"Why do they do this people? It's shameful. Don't they know that these are people made of flesh and blood?" she said. "You don't hit a cat or a dog because you know they will be in pain."

Defense lawyers estimate that 10,000 civilians have been put on military trial since protests began. The number is based on case serial numbers, which vaulted dramatically beyond the average 100 soldiers a month who were tried before the January uprising.

The number dwarfs the use of such courts under Mubarak's 29-year-rule, when hundreds of civilians were put on trial in military courts or special security courts that came under similar criticism for lack of due process, rights activists and lawyers say. Mubarak's courts, they note, gave harsher sentences, including 100 death sentences.

"The way these courts run is farcical," said Negad Borai, one of three defense lawyers who spoke to AP about the system. "The injustice starts with the way people are arrested by the military police and the torture they endure until they appear before the court."

Military officials, who rarely give interviews, could not be reached for comment. But the council has defended its use of military courts as necessary to restore order, a major concern for Egyptians worried over a post-revolution jump in crime. The council says that in cases that affect security, such as looting or rioting, they take the issue to the military courts to decide it quickly.

But Adel's case and others raise questions over how many of those convicted were actually involved in violence.

Hossam Nassif, 21, geology student at Cairo University, was among nearly 190 people detained when soldiers broke up a May 15 protest outside the Israeli Embassy. He and others were beaten by policemen, then taken by soldiers to the Haekstep military prison on Cairo's eastern outskirts, he said.

In his military trial, the session covered 50 cases in two hours, he said. After several minutes, the judges emerged with guilty verdicts for all. Nassif said he and the others each received a one-year suspended sentence for "driving a wedge between Egypt and a friendly nation," damaging public property and assaulting a policeman.

His experience is typical, the lawyers said.

Defendants get an average of 20 minutes in court and are denied the right to speak. Lawyer Rajyah Omran said she is barred from being present when her clients are questioned and sees details of their cases only a half-hour or less before trial.

Borai said the courts appoint a lawyer for defendants who don't have one. But the court-appointed lawyers usually speak only to make the formal pronouncement to the judge, "We ask for leniency," he said. Acquittals are extremely rare, the lawyers said, and the overwhelming majority of sentences involve some jail time, up to 25 years in prison. Most convictions have been on charges of illegal possession of arms, thuggery, breaking the now-defunct curfew, attacking policemen, disturbing the peace or resisting authority.

Adel's mother, Nariman, spent four frantic days looking for him after his arrest. Adel is her only child, after his brother died in a road accident in 2000. She finally learned where he was when he and others were paraded on state TV, identified as "thugs and looters."

After his conviction, she went public with calls for justice. In June, the military repealed Adel's verdict and ordered a retrial.

He remains in prison in the meantime. But Nariman is grateful.

"Thanks be to God for everything and anything," she said with resignation. "At least I can afford a lawyer. Most others cannot."

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/ap/20110718/ap_on_re_mi_ea/ml_egypt_fearing_new_mubaraks

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Diet regime Capsules For an Obesity Treatment - Free Articles ...


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Monday, July 18, 2011

Perspectives in Colorectal Cancer

[unable to retrieve full-text content]Cancer in the number of deaths from cancer. Most colorectal cancer (72%) are in the colon and a small part of the results (28%) in the rectum. The lifetime risk of Colorectal cancer diagnosed in the United States is 5,9% for males and ...

Source: http://mirandasource.com/2011/07/perspectives-in-colorectal-cancer.html

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Reader Story: Negative Budgeting and a Healthy Outlook on Life

This guest post from Shara is part of the ?reader stories? feature here at Get Rich Slowly. Some stories contain general ?how I did X? advice; others are examples of how a GRS reader achieved financial success ? or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes. Last year, Shara shared her story about the other side of bankruptcy.

On a ride to town the other day, our truck started to overheat. The coolant was low, so my husband filled it. A few days later it started to overheat again: a coolant leak. A trip to my mechanic and a couple of phone calls later revealed a perforated coolant line and a $1500 estimate.

There?s no hand-wringing about whether to fix it ? the truck is worth more than $20,000 in good condition ? but $1500 is still a lot of money to hand over all at once. It could easily lead to a lot of stress as we juggle expenses and wonder how to come up with that money. A lot of people would put it on a credit card and the stress would be compounded as every month any extra money went to bring that balance back down. However I was able to simply sigh and remind my husband, ?These things happen.?

Some of my attitude comes from an outlook I?ve worked to cultivate. But mostly it?s because I have the money in the bank to write a check. We make pretty good money, but you have to make far more than we do to not worry about a check of that size! A lot of people at Get Rich Slowly would pay for the repair out of an emergency fund. That?s fine for some people, but I?d obsess about replacing the money. Besides, emergencies are those things you can?t foresee. If you have a car, you?re probably going to have to repair it eventually. The reason I?m not stressed is because of effective budgeting.

Negative budgeting
We?re all familiar with the standards of a budget. It?s easy to include major recurring expenses like:

  • Rent or mortgage
  • Utilities
  • Insurance
  • Cell phone
  • Debt payments
  • Groceries

But how many people remember to budget for irregular expenses? Do you include:

  • Clothes
  • Gifts
  • Medical bills
  • And, yes, car repairs

In order to be prepared for irregular expenses, I transfer money every paycheck into an ING account. I then keep a simple spreadsheet that looks something like this:

?

It takes me five minutes every month to update this spreadsheet. I can tell you in moments how much I have on hand to spend on gifts. I can tell you how much I spent on propane last year and project it for next year. If a balance gets especially high or low, I know it, and I can adjust my behavior or my budget. The money set aside for car repairs means I?m not only prepared for major repairs, but I also don?t blink when routine maintenance comes due (and, therefore, I?m less likely to put it off). This has led to a better relationship with my mechanic, both because he knows I respect my vehicle and he knows he will always be paid.

This method also saves me a lot of time. I don?t track every penny that goes out. I simply make sure that every dollar comes from the proper pot. I call this negative budgeting because I count down from what I?ve budgeted rather than adding up what I?m spending. Having a budget this specific isn?t for everyone, but it makes sure one type of expense isn?t dependent on anything else. If you?re the sort to put off a vacation because your dog had to go to the vet ? or even worse, putting off getting that sore knee looked at because Christmas is coming ? this type of method might be for you.

Not an emergency
Most importantly, negative budgeting saves me a lot of worry. It helps my life outlook.

My emergency account is ready for real emergencies, such as when my mother-in-law was suddenly hospitalized. I was able to worry about her and the family rather than something else popping up for which I might need the money we used for tickets. While I can foresee the routine unexpected, real emergencies are much more rare. Therefore, I can relax and give the emergency fund time to replenish with my routine money transfer.

It?s human nature to feel like the universe is victimizing us when something bad happens for which we?re not prepared. But cars break down. People and animals get sick and hurt. Utilities go up and down to the point of pain when the weather is extreme. Bad things are going to happen. But it?s not an emergency unless you make it one.

Reminder: This is a story from one of your fellow readers. Please be nice. After more than a decade of blogging, I have a thick skin, but it can be scary to put your story out in public for the first time. Remember that this guest author isn?t a professional writer, and is just learning about money like you are. Henceforth, unduly nasty comments on readers stories will be removed or edited.

This article is about Budgeting, Planning, Reader Stories??

Source: http://www.getrichslowly.org/blog/2011/07/17/reader-story-negative-budgeting-and-a-healthy-outlook-on-life/

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Religion in the Modern World : News & Society

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Religion in the Modern World

Article by Kevin

Today, we live in a world where there are no boundaries, a world where sometimes right is wrong, wrong could be right and the winner reigns supreme. Religion seems to be of little importance. What then, is the essence of religion? In essence, it is a set of beliefs that can guide one through incalculable number of situations. Some people claim that religion, in the modern world, undermines people and that people could do without religious pressure. Others feel that religion is crucial to the individual. I strongly disagree that religion has no part in the modern world; on the contrary, religion is more important than ever in today?s society.

First, religion has a positive impact on people?s life. According to a study ? published in an issue of the Journal Psychology of Addictive Behaviors ? ?teens who consider religion important in their lives are half as likely as other teens to drink heavily or smoke marijuana and cigarettes?. For one teen, ?If you do something bad, it?s like you?re hurting God. The more you do it, the bugger the barrier, and the more empty you?ll feel?. Religion has more or less been a guiding force and it continues to instill in people that life has meaning and value. The study also suggests there is a strong correlation between religion and a low level of delinquency and there appears to be a significant difference in the behavior of those who are religious as opposed to those who do not believe in God. Hence, how can we say that religion has no place in the modern world? We need it more than ever!

??.the world?s religion stresses self-restraint and self-discipline,? said Robert Platzner Ph.D., a Professor of Humanities and Religious Studies at California State University in Sacramento. However, religion teaches people how to exert their energy in more positive forms, reaching towards higher standard of life. Religion also instills the importance of leadership, education, and social services.

In the modern world today, people who have strong religious backgrounds are more likely to lead a healthy lifestyle, possess more conservative attitudes toward sex, and display acts of humanitarianism. While some may view this as a weakness, I believe that religion keeps people ?truly human?. Religion does have a place in a the modern world.

Religion gives followers a model for living their faith. It teaches us how to live in a world like ours and it serves as the ground of our conscience. We are able to face problems with courage and hope because of a strong faith in God. People without religion have no single path to follow in order to lead an ideal life, they only cling to their personal beliefs and experiences.

In a world like the one we live in today, the absence of religion would be detrimental because religion is an essential part of human life. If humans were to neglect or deny religion, the world will become a desolate place, devoid of any hope.



About the Author

Kevin is young writer and he writes a lot on health and teenager problems. He also has a passion for music. Check out his newest website? http://www.acousticbassguitarchoice.com/<span style=?color: black;?> </span>which helps people find the best acoustic bass guitar.

Written by: Dan on July 17, 2011.

Posted by Dan on Sunday, July 17, 2011 at 7:23 am?
Filed under Religion ? Tagged with California State University, California University, Cigarettes, Correlation, Delinquency, Essence Of Religion, God, humanities, Incalculable Number, modern, No Boundaries, People, Psychology Of Addictive Behaviors, Religion, Religion In The Modern World, Religious Studies, Self Discipline, Self Restraint, Smoke Marijuana, teens, world, World Article, World Religion

Source: http://www.theyellowads.com/news_society/religion-in-the-modern-world

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