Use best unemployment fund for better life

The secure and best life who do not want to live? The insurance plan you should apply. The safety of your career can also be possible by using a-kasse fund. The a-kasse is an unemployment fund and this is very best opportunity for you. The unemployment fund is very useful for us. These funds not only furnish us life safety but also give the mentally relax by the fear of job lose.

The billig fagforening is facility is an amazing thing which is very useful for us. The billig fagforening is also a better opportunity for us that furnish the reliability of life security. The one of the biggest fear for any person to lose his/here job and that is very dangerous thing, if you are working in private sector so it becomes more necessary to take advantages of this fund. The unemployment insurance fund is very better opportunity for you.

The private sector workers should be take advantages of this fund because that is better security option for you. When we are doing job in private sector so, it is necessary to insurance of your future and for this work a-kasse fund is a right option for you. It is necessary because if you lose your job at the time of recession so, can take help of this fund easily.

The billig fagforening is way from where you can take help at the time of recession. The recession is a very harmful and very critical condition when you have no another option to spend your life. The unemployment fund is a very best thing to taking help at the time of recession. When you are affected by recession, that fund helps you more and also furnishes the way of live your life without worries.

The unemployment fund is a very useful and amazing thing to take its advantages, because when anyone lost his/her job so this fund furnishes the security to them. To apply for this fund is easily and to get more details of it you can visit at billig-fagforening.dk. This site is a very best option for us to get more knowledge about this fund. Whenever you visit on this site, here you can get more unemployment insurance plans and method to apply for them. This is a very best help of you and by using it you can get more profit. The unemployment fund is a very best thing but is not can be gated easily and for getting it you should visit at the above discussing site.

The security of job is very necessary, but for it you should do something different and choose the best option. The recession is a bad thing to our career and living for tension free life you should consider at the following points:-
billigefagforeninger, billig a-kasse
On this matter billig-fagforening.dk, site helps you, so visit here immediately.

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Tasks of the Unemployment Fund for Students

the Great Hedge Fund Hei$t
unemployment fund
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

This is actually a GOOD guy. See: billionairesforbush.com/index.php for more information.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

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A normal question that peeps into your mind is: what is an Unemployment Fund for Students? These are benefits in the form of small compensation or insurance given to a student in case they are currently unemployed. These benefits are sponsored by the state. It helps a student cover their bare basic needs like rental and food cost. This system is prevalent in European countries, Australia and the United States predominantly. You must now be curious to learn that what its basic features and functions are, about the current student benefits available in various counties and what its future is keeping today’s economic scenario in mind. Some of those features and the various schemes available in these countries are discussed below.

Basic Features and Functions

Benefits for an unemployed student are usually a part of your social security plan, given to you by the state. You must understand that the basic and the most important criteria for you to get benefits of unemployment fund for students is that you must be registered as an “unemployed” person and be actively looking and open for a job. If you have quit your job or it has been terminated because of your misconduct you are not eligible for the benefits of your unemployment fund for students. This fund is for a specific and short period only. The student advisers actively advise the students to apply for the student benefits even before their course ends. You are entitled to extra benefits if you have a dependent child or have current heavy medical costs. You start getting your benefits approximately 3 weeks after you complete your course. The mandatory documents you are asked for are your birth certificate, bank account details and your citizenship or passport details.

Student Unemployment Fund Schemes available in various countries

In Australia students doing a full time course are entitled for an unemployment fund for students called “Youth Allowance” and are encouraged to take up a job or do apprenticeship. Your age should be between 16 to 24 years. In the United Kingdom you are entitled for benefits based on your records of your social insurance and you are encouraged to continue and complete your education. However the student community needs to view these schemes as a stepping stone or a support to further enhance their career and move forward in life. It should not be seen as a source of income. This perspective will help students take full advantage of such schemes.

When you think about today’s economic scenario with recession and inflation percentage growing every day, every nation state is gearing up for the big challenges ahead in the new year. Students complete their education but opportunities are few in numbers and employment seekers are more. In this case, as in Sweden, a trough investigation is done and your documents are checked before the benefits are shared with you. In the United States the federal government is facing challenges like overpayment of claims, fraud documents etc. from the student community. Regulations have to be more stringent and care has to be taken that an unemployed student beneficiary is not deprived of the basic benefits of the unemployment fund for students.

For more information about the unemployment fund for students or Informationer om a-kasse til studernede in Danish, visit the website of Denmark’s largest trade union

Should you find yourself in the unfortunate position of being retrenched or fired, it is an extremely stressful time, but there is some financial reprieve in the form of the UIF – Unemployment Insurance Fund. CNBC Africa’s Gugulethu Cele finds out how it works and what the terms and conditions of its use entail. Joining CNBC Africa is Vuyo Mafata, CFO of UIF.
Video Rating: / 5

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Fundamentals of Exchange Traded Fund

AGORA 2013: What could EU do to fight youth unemployment?
unemployment fund
Image by European Parliament
Elia Elenius, Finland/29/employed: "As Member states have different problems, the national parliaments are best positioned to fight youth unemployment. The EU should channel funds through national institutions and they will know their best."

More on Agora 2013: www.europarl.europa.eu/news/en/news-room/content/20131107…

This photo is free to use under Creative Commons license (CC) and must be credited: "© European Union 2013 – European Parliament" (Attribution-NonCommercial-NoDerivs Creative Commons license). For HR files please contact: webcom-flickr(AT)europarl.europa.eu

The Exchange Traded Fund (ETF) is generally treated as a type of investment fund with is usually traded on Stock Exchanges. The Exchange Traded Fund (ETF) contains monetary assets like stocks and bonds which are traded with its net asset value. Exchange Traded Funds (ETF) are the most sought after form of investment as it is less costly, its tax efficiency qualities etc. An Exchange Traded Fund (ETF) is considered to combine the valuation of a mutual fund that is capable of being sold after the trading day for the net asset value. An Exchange Traded Fund (ETF) acts just like a company that contains several assets and allows shareholders to have a share of the benefits of the assets. The shareholders get a share of the profits from Exchange Traded Fund (ETF) like dividends or interests and also receive a residual value if the fund of the ETF is liquidated. Exchange Traded Fund (ETF) being an index fund provides investor with a large window to view the stock exchange situations not only in a particular country but the stock exchange system worldwide on a real time basis with a lower costing structure unlike other investment options.

Apart from ETF Fundamentals which is also a port folio in itself, there are several guide books available which guides people to avail a long-term financial security at by helping them know of the various methods of investment and the returns each one can get. Books like Fail Safe Investing and several other have these concepts in them which are very simply stated conveying the message to the common people who are interested in investing. These texts advise the common people to diversify their investments of bonds, stocks, gold, cash etc to make sure they are financially safe. The writer also ensures that people owning such a type of diversified portfolio do not have to worry about global financial crisis like recession, inflation or deflation where the financial conditions of people usually deteriorate with major problems like unemployment, bankruptcy etc. Different aspects of the portfolio perform differently throughout the year and therefore equalizing the returns in spite of the variations in the financial market.

Several financial institutions and individual investors have adopted the strategies of this book and are said to have found the strategies very lucrative. During the period of recession in the year 2008, investors and brokers who had adopted this plan found it extremely lucrative as it could give good returns apart from the monetary terms. The book advises people to dividing their finances into four parts. They include 25% in Stocks which provides good returns during prosperity, 25% in bonds that gives returns during prosperity and deflation, 25% in money market funds and 25% in Gold which protects one’s financial condition during Inflation.

In comparison to pure stick portfolio the Permanent fund Portfolio is diversified strategy of investment which is a sometimes a sort of an investment idea for investors as one cannot always afford to invest in the four different parts of the portfolio. It is not always considered the ideal type of invest and cannot be made an Investment blueprint and followed blindly. No matter how you are investing and where you are investing, but you need to know the way of making the safe investing that entail you to have more profit.

This article has been written by Demmy Groves, who is associated with ETF Fundamentals for a long time. She has described here how to avail the long-term security through Fail Safe Investing , the book, which is essential prior to make any investments.

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A Foreign Exchange Traded Fund Investors Should Consider

Irlam and Cadishead’s Citizens’ Advice Bureau 1981
unemployment fund
Image by Irlam,Cadishead,Rixton with Glazebrook old photos
Cadishead and Irlam Guardian 1981

IT’S FIRST YEAR

Irlam and Cadishead’s Citizens’ Advice Bureau has dealt with more than 2,400 inquiries since it opened a year ago. Bureau organiser, Mrs Marian Snook, now heads a team of 10 which includes deputy Mrs Norah Johnson and nine voluntary part-time workers.

During the year, Mrs Snook has been made only too aware of Irlam and Cadishead’s ever growing unemployment problem. She and her team of advisers have tackled many of the problems which have arisen through redundancy particularly the problems of those involved in the Gardner’s dispute.

"A large percentage of our clients are unemployed. We have dealt with family and personal problems which arise when a person, who has been made redundant, is around the house all day or because of a shortage of cash. We have had many inquiries about job release and early retirement schemes and from disabled people who have been made redundant," said Mrs Snook.

SATISFIED

Recently the bureau started visiting disabled and hous-bound people at their homes to give them advice. They also meet members of the disabled group at Preston Hall, Irlam, to check they are receiving benefits they are entitled to. Mrs Snook intends to visit occupants of the town’s sheltered housing in the near future.

Mrs Snook said "I am well satisfied with the way the bureau is operating. Each day’s work reinforces my belief that there is a great need for a Citizens’ Advice Bureau in an urban area like Irlam and Cadishead.

"At first the inquiries received were of a superficial nature and it seemed that perhaps local residents were not plagued with the deep-rooted long term problems that I come across in other areas.

The way we work, within strict bounds of confidentiality, does not seem to inspire trust, and as the year has progressed we have found that as well as the employment supplementary benefit, consumer, housing and other matters, we are being approached more and more on very personal and monetary matters."

Where necessary and with a client’s permission, the CAB liases with statutory bodies such as social service, social security, housing, probation, police, courts and local Councillors and claims to have "an excellent relationship with them all.

Workers at the branch are trying not to limit the dervice to straightforward advice-giving or signposting, but will draft letters for clients, make phone calls and from this month, refer suitable cases to a free rota solicitor scheme.

TRAINING

"Our voluntary workers have had a heavy workload over the year and each has undergone a lot of ongoing training to keep them up to date with the copious amounts of legislation which has been passed throughout the period," said Mrs Snook.

"Often clients will say ‘I don’t know if you deal with this, or, I don’t know if I come to the right place’. Our answer is that we always try and help or advise on any subject. Many people seem to feel better after talking the problem over with a worker, even if there is no action or solution to be found. After all a trouble shared is a trouble halved, so they say."

It is Mrs Snook’s ambition for the future to install ramps at the CAB office at 604 Liverpool Road, Irlam, for disabled people in wheelchairs who encounter difficulties getting into the office.

Although a shortage of funds restricts this idea at present, Mrs Snook hopes to get temporary ramps in the near future.

The Exchange Traded Fund with the fifth highest trading volume is the iShares MSCI Japan Index (EWJ). This fund is averaging over 22 million shares a day trading volume. Why all the attention? If you look for the funds with the highest percentage gains for the year, this fund is not one of them. If you look for the top gaining funds for the past month, this fund is one of the top gainers with a 10.45% gain for the month.

The long slumbering Japanese economy is now coming alive. After years of deflation this economy is finally waking up. For the last several years Japan’s unemployment rate has been above 5%. Finally the unemployment rate has dropped under that level. At the end of March the Japan’s unemployment rate was 4.1%

GDP in Japan is also growing. Their 4th quarter year over year growth was 5.4%. This places Japan as one of the hottest growing economies for developed countries in the world.

Japan has had a decade and a half of rolling recession. During that recession many Japanese companies have hoarded cash. That means there are many asset rich companies that are ripe for restructuring. As a result merger and acquisition activity is strong. Last year was a record year in this category.
Up until this point there was a great deal of enthusiasm for emerging market stocks. In the past year this market has soared and it appears that this market may be overdone. Not as much money is flowing into emerging market funds now.
On the other hand, Japan, which is far from an emerging market, is seeing an improvement in its economy. This mature asian market is now drawing more investors.

Last year was the year of the energy and emerging markets. Perhaps this year will be the year of the mature Asian Market. There does not appear to be room for a major ralley in emerging markets at this time and US markets are still sluggish. AS investment money gets redistributed around the world, it is a good bet that a portion of it will find its way into the Japanese markets.

For those who are technical chart readers this Exchange Traded Fund’s indicators are all in positive territory. There fund has moved almost straight up from the beginning of March through the first week of April. When a fund moves in this manner there is bound to be some profit taking. As the profit taking occurs, for those already invested in this fund, this should not be of major concern unless you see the price drop below 13.80. For those who are not invested in this fund, you may want to consider buying during the price corrections.

Andrew Goldman is president of Metal Rabbit media services, the operator of http://www.Exchangetradedfundinvesting.com. He has written a number of articles on finance and investment over the last ten years.
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HK Equity Fund Advise Fed Tapers But Watch Bond Yields

Rushing to the Chamber
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Image by European Parliament
MEPs will during the February plenary session debate how to boost employment, especially among the young, vote on a food aid scheme for European citizens in need, and discuss the situation in Syria. Other topics include EP priorities for the European Council on 1-2 March, the upcoming elections in Russia and political developments in Hungary. In addition there will be a debate with Italy’s Prime Minister Mario Monti on Wednesday at 1500h CET.

One of the main issues during the plenary from 13-16 February will be how to tackle youth unemployment, which has reached an unprecedented level in Europe due to the economic crisis. On Monday MEPs will ask the Commission about its plan to use up to €82 billion in EU structural funds not yet allocated to specific projects to help small firms and combat youth unemployment. The Parliament will also vote on three resolutions on Wednesday calling for more efforts on growth, employment and poverty.

www.europarl.europa.eu/news/en/headlines/content/20120203…

© European Union 2012 EP/Pietro Naj-Oleari

Hong Kong’s HK Equity Fund say that despite financial market commentary suggesting that the US Federal Reserve has found a way to introduce the tapering of monetary stimulus without sending the markets into a selling frenzy, analysts at HK Equity Fund believe that the expected investor reaction will play out in slow motion.

The Fed announced last week that it plans to reduce the rate at which it buys US Treasuries and mortgage-backed securities by $ 10bn from $ 85bn per month to $ 75bn per month but also promised that, in contrast to a promise made earlier in the year, it would maintain ultra-low interest rates for considerable time even after the unemployment rate in the US falls to 6.5%.

“Markets had expected the Fed to postpone the taper until at least March of next year so the $ 10bn reduction came as something of a surprise. The threat of the taper had largely been priced into the equity markets but although 10yr bond yields initially remained benign, in the days following the announcement, they’ve started tracking uncomfortably close to the psychological 3% mark that sparked a sharp stock market sell off last September when investors were certain the taper was imminent” said the HK Equity Fund analyst.

Investors have greeted the taper with less of a kneejerk reaction but HK Equity Fund believes that markets will continue to adjust the price of risk of holding US treasuries by pushing yields higher. “The US government can’t expect to be able to borrow money cheaply ad infinitum. All the largesse of the last 20 years has to be paid for,” concluded the analyst.

About HK Equity Fund
HK Equity Fund established a presence in Hong Kong in 1995. Today their Hong Kong office is their main hub in the Asia-Pacific region. All of HK Equity Fund’s business groups have operations in the city, making this their largest office in the region outside Australia. From Hong Kong they offer corporate finance and advisory, institutional cash equities and research, equity derivatives and structured products, debt financing and funds management, and environmental financial products, futures, metals OTC hedging and fixed income trading services.

For more info contact:
HK Equity Fund Limited
28/F, 8 Wyndham Street,
Central,
Hong Kong
Email Address: info@hkequityfund.com
http://www.hkequityfund.com
+85258084873

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Health Savings Accounts Fund Health Care During Unemployment

20110712-RD-LSC-0186
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In this retention of Kentucky, water runs on, around and through the slate rock geology that surrounds and supports the construction phase of Pikeville Medical Center (PMC) expansion project, on Tuesday, July 12, 2011, in Pikeville, KY.
After months of infrastructure construction and rain delays, one of Kentucky’s largest American Recovery and Reinvestment Act (ARRA) projects is under way. The .6 million Community Facilities Loan will finance construction of a new medical office building and parking garage. The new medical office building will house outpatient surgery, endoscopy and surgical support and provide exam, waiting and office space for 23 primary and specialty care physicians. It also will contain a medical research center to support existing research – in conjunction with Pikeville College – on health disparities, genetic research related to the prevalence of cancer and other areas, including drug and treatment trials. The new seven-floor parking garage with more than 1,000 spaces will be built adjacent to the new medical building. This will eliminate the need to shuttle patients back and forth from remote parking areas, as the center’s current parking areas are filled to capacity on a daily basis. The new garage will provide closer and easier proximity to medical and hospital services for all patients.
Wayne Rutherford, County Judge-Executive for Pike County, says funding from ARRA is a boon for his county because it will create jobs.
“This is great for Pike County’s economy. We know we have a great hospital, and with this support, it will be even better,” said Rutherford. “The unemployment rate here is above the state average and this will stimulate jobs. There will be construction, which means lots of jobs on the front end – and even more once it is built.”

Pike County is one of Kentucky’s persistent poverty counties and the current medical facility provides health care services for a rural population of more than 68,000. This project will create 1,430 direct and indirect construction jobs, in addition to 97 long-term jobs. It is scheduled to be completed in December 2012.

“This project is a prime example of the ARRA monies being utilized for much-needed health care facility expansion in an economically-depressed region of Eastern Kentucky and Appalachia,” said Tom Fern, State Director for Rural Development in Kentucky. “This hospital has received national recognition for its quality of care, and this money will allow them to expand and build upon their success and continue providing quality health care services to the region.”
PMC was named National Hospital of the Year by the American Alliance of Healthcare Providers in November 2009. The hospital was among 400 elite health care facilities to apply for this prestigious honor. To earn this recognition, PMC competed against more than 400 hospitals, including the Mayo Clinic, the John Hopkins Hospital, Cedar-Sinai Medical Center, the Cleveland Clinic, Duke University Medical Center and Vanderbilt University.
Pikeville City Manager Donovan Blackburn said the medical center is the largest employer in Pikeville and contributes nearly million to the city through the payment of occupational taxes. He went on to say that Pikeville Medical’s success is also the city’s success because as other cities struggle with dwindling revenues, Pikeville has actually seen growth.
“This is a regional medical center that is very important to the city. Pikeville is a legal, financial and education hub for Eastern Kentucky and a gateway to rural communities in Virginia and West Virginia. There are half a million within a 50-mile radius – so it’s not just local people that depend on this facility,” said Blackburn. “From a regional standpoint it adds volume from a jobs standpoint. Everybody in this county knows someone or has family that works for Pikeville Medical Center.
“People in this area used to have to go out of the area for good jobs and quality medical services, but Pikeville Medical has changed that,” added Blackburn. "And it has impact on other parts of the city’s economy – hotels, restaurants and retail. It increases the quality of life tenfold.”

The Recovery Act was designed to spend money gradually over time in order to sustain a true recovery – with peak spending to occur early this year. While the experts agree that ARRA is already responsible for creating or saving approximately two million jobs, about 75 percent of recipients that reported on their Recover Act spending indicated their projects are less than half complete, meaning there is even more job impact from those dollars to come.
USDA Media by Lance Cheung.

Health Savings Accounts are getting a reputation for making health insurance more attractive. That’s because health insurance plans that let you start an HSA often cost less than traditional co-payment plans. HSA plans also lag way behind traditional plans in terms of frequent rate hikes, too.

Low premiums make it more affordable to maintain coverage during periods of unemployment, but that’s not the only way HSA plans can bridge gaps between jobs. As you’ve probably guessed, a Health Savings Account is specifically designed to pay for health care with benefits that standard accounts don’t provide.

Health Savings Accounts Reduce Taxes

Health Savings Accounts allow you to pay for health care with pre-tax dollars. The money you contribute to your HSA can be used to directly reduce your taxable income with an “above-the-line deduction.” That basically means you won’t need to itemize deductions to lower your income taxes. That works for federal tax returns and for all but three state returns.

After you get that tax deduction, you have a choice about how to use your HSA funds. If you use the money for health care, withdrawals won’t be taxed as long as you only spend them to pay for health care that’s deemed to be eligible. Most things are with the exception of over-the-counter medicines, like aspirin. A purchase like that would trigger a 20-percent penalty fee on the HSA withdrawal and it would become taxable income.

You can spend HSA money on things your high-deductible health plan probably won’t cover, such as dentistry or homeopathy. You can also pay for health care for family members who are not covered on your insurance policy.

HSA Plans Foster Saving For Retirement

Your other choice is to invest HSA dollars and let the balance grow with tax-free earnings as you would with an IRA. If your employer contributes to your HSA, that money is yours to keep even after that job is history. Once you turn 65, you can use HSA funds to buy anything without incurring a penalty, but it’s still taxable as income when spent on something other than qualified health care.

Many different financial institutions will let you open an HSA. Some restrict what they offer to interest-bearing savings accounts, but others will allow you to invest in stocks and bonds, or mutual funds. These accounts are becoming big business, so HSA administrators are competing with perks to attract your business. Many make it as simple to withdraw HSA money as it is to use a regular checking account. Even credit cards linked to HSA money are on the horizon.

After your HSA balance reaches an amount that you’re comfortable with, you might even consider starting a second Health Savings Account that you use strictly for the investment options. Keep one liquid for medical emergencies and devote the second one to letting the tax-free earnings help you prepare for retirement.

By Wiley Long – President, HSA for America – Professional advisors offering personal assistance on Health Savings Accounts. Run instant HSA quotes, compare HSA insurance, apply online and save!
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HK Equity Fund Say BoE May Have To Backtrack On Rates

Franklin and Eleanor (FDR Bio, part 1)
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Image by Tony Fischer Photography
(FDR Biography, Part One)

Franklin D. Roosevelt was born in Hyde Park, New York on January 30, 1882, the son of James Roosevelt and Sara Delano Roosevelt. His parents and private tutors provided him with almost all his formative education. He attended Groton (1896-1900), a prestigious preparatory school in Massachusetts, and received a BA degree in history from Harvard in only three years (1900-03). Roosevelt next studied law at New York’s Columbia University. When he passed the bar examination in 1907, he left school without taking a degree. For the next three years he practiced law with a prominent New York City law firm. He entered politics in 1910 and was elected to the New York State Senate as a Democrat from his traditionally Republican home district.

In the meantime, in 1905, he had married a distant cousin, Anna Eleanor Roosevelt, who was the niece of President Theodore Roosevelt. The couple had six children, five of whom survived infancy: Anna (1906), James (1907), Elliott (1910), Franklin, Jr. (1914) and John (1916).

Roosevelt was reelected to the State Senate in 1912, and supported Woodrow Wilson’s candidacy at the Democratic National Convention. As a reward for his support, Wilson appointed him Assistant Secretary of the Navy in 1913, a position he held until 1920. He was an energetic and efficient administrator, specializing in the business side of naval administration. This experience prepared him for his future role as Commander-in-Chief during World War II. Roosevelt’s popularity and success in naval affairs resulted in his being nominated for vice-president by the Democratic Party in 1920 on a ticket headed by James M. Cox of Ohio. However, popular sentiment against Wilson’s plan for US participation in the League of Nations propelled Republican Warren Harding into the presidency, and Roosevelt returned to private life.

While vacationing at Campobello Island, New Brunswick in the summer of 1921, Roosevelt contracted poliomyelitis (infantile paralysis). Despite courageous efforts to overcome his crippling illness, he never regained the use of his legs. In time, he established a foundation at Warm Springs, Georgia to help other polio victims, and inspired, as well as directed, the March of Dimes program that eventually funded an effective vaccine.

With the encouragement and help of his wife, Eleanor, and political confidant, Louis Howe, Roosevelt resumed his political career. In 1924 he nominated Governor Alfred E. Smith of New York for president at the Democratic National Convention, but Smith lost the nomination to John W. Davis. In 1928 Smith became the Democratic candidate for president and arranged for Roosevelt’s nomination to succeed him as governor of New York. Smith lost the election to Herbert Hoover; but Roosevelt was elected governor.

Following his reelection as governor in 1930, Roosevelt began to campaign for the presidency. While the economic depression damaged Hoover and the Republicans, Roosevelt’s bold efforts to combat it in New York enhanced his reputation. In Chicago in 1932, Roosevelt won the nomination as the Democratic Party candidate for president. He broke with tradition and flew to Chicago to accept the nomination in person. He then campaigned energetically calling for government intervention in the economy to provide relief, recovery, and reform. His activist approach and personal charm helped to defeat Hoover in November 1932 by seven million votes.

The Depression worsened in the months preceding Roosevelt’s inauguration, March 4, 1933. Factory closings, farm foreclosures, and bank failures increased, while unemployment soared. Roosevelt faced the greatest crisis in American history since the Civil War. He undertook immediate actions to initiate his New Deal. To halt depositor panics, he closed the banks temporarily. Then he worked with a special session of Congress during the first "100 days" to pass recovery legislation which set up alphabet agencies such as the AAA (Agricultural Adjustment Administration) to support farm prices and the CCC (Civilian Conservation Corps) to employ young men. Other agencies assisted business and labor, insured bank deposits, regulated the stock market, subsidized home and farm mortgage payments, and aided the unemployed. These measures revived confidence in the economy. Banks reopened and direct relief saved millions from starvation. But the New Deal measures also involved government directly in areas of social and economic life as never before and resulted in greatly increased spending and unbalanced budgets which led to criticisms of Roosevelt’s programs. However, the nation-at-large supported Roosevelt, elected additional Democrats to state legislatures and governorships in the mid-term elections.

Another flurry of New Deal legislation followed in 1935 including the establishment of the Works Projects Administration (WPA) which provided jobs not only for laborers but also artists, writers, musicians, and authors, and the Social Security act which provided unemployment compensation and a program of old-age and survivors’ benefits.

Roosevelt easily defeated Alfred M. Landon in 1936 and went on to defeat by lesser margins, Wendell Willkie in 1940 and Thomas E. Dewey in 1944. He thus became the only American president to serve more than two terms.

(Part Two of this biography is posted under the photo of their grave)

source: FDR library
photo: FDR collection, Hyde Park

According to Hong Kong’s HK Equity Fund, the United Kingdom’s seemingly strengthening economic recovery may force the Governor of the Bank of England, Mark Carney, to begin considering raising interest rates more quickly as unemployment in the country edges closer to a key level he said could warrant such action.

Mr Carney told investors in August that unemployment in the UK would need to improve to 7% before the Bank would consider raising rates which have been at an all-time low of 0.5% since March 2009.

The Bank of England’s own forecasts suggested that wouldn’t occur until 2016 but according to an HK Equity Fund researcher, “Mr. Carney’s attempt to manage investors’ expectations over the Bank’s long-term interest rate policy has never really been taken seriously because they generally expected unemployment to improve long before 2016. It looks like they were right”.

The UK’s economic recovery has gathered pace according to a slew of data including stronger-than-expected services, construction and industrial production data and is in stark contrast to the euro zone, which is still hampered by anemic growth. The European Central Bank last week cuts its key rate to 0.25% from 0.5% in response to a cut in its growth forecast and a strengthening euro currency.

HK Equity Fund says it views the UK’s economic recovery as a false dawn and warns that the country is not yet ready to accommodate higher interest rates despite a warm reception for the government’s Funding for Lending and Help to Buy schemes both of which are aimed at stimulating demand for real estate.

“Higher rates will put a lot of over-stretched homeowners with large mortgages over the edge,” concluded the HK Equity Fund analyst.

About HK Equity Fund

HK Equity Fund established a presence in Hong Kong in 1995. Today their Hong Kong office is their main hub in the Asia-Pacific region. All of HK Equity Fund’s business groups have operations in the city, making this their largest office in the region outside Australia. From Hong Kong they offer corporate finance and advisory, institutional cash equities and research, equity derivatives and structured products, debt financing and funds management, and environmental financial products, futures, metals OTC hedging and fixed income trading services.

For more info contact:
HK Equity Fund Limited
28/F, 8 Wyndham Street,
Central,
Hong Kong
Email Address: info@hkequityfund.com
http://www.hkequityfund.com
+85258084873

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Overview of Florida Hardest-Hit Fund and Eligibility Criteria

King Hiram Lodge No. 566 Toronto Reception – V.W.Bro. Richard T. Morell G.S. and R.W.Bro. Lew Crocker P.G.S.W. (23) see info below
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Image by antefixus21
A memorial display for well loved and respected Right Worshipful Brother Ed Dyer which included a portrait taken when he was Worshipful Master of King Hiram Lodge in 1952 as well as his Masonic Regalia. He recently laid down his Working Tools and passed to the Grand Lodge Above. The bright Masonic Light that he shone in so many Masonic bodies will be sorely missed.

The Beginning
In the year 1920, immediately after the first World War, there was a great influx into Masonry and a group of Masons from the Willys Overland plant (a pioneer and manufacturer of the Jeep 4 wheel drive vehicle) situated in West Toronto, feeling there was a need for a new Lodge in this area, formed themselves into a committee for that purpose.

This group was headed up by W. Bro. W.L. Abernathy of Stanley Lodge # 426, Toronto and ably assisted by W. Bro. W.L. Clark and Bro. J.G. Bruce, both of Victoria Lodge, Toronto.

Having fulfilled all the necessary requirements, the Institutional Meeting of King Hiram Lodge, U.D., G.R.C., was held in the Annette Street Temple on April 29th, 1920.

After the dispensation, the Most Worshipful, The Grand Master, M.W. Bro. F.W. Harcourt authorized W. Bro. W.L. Abernathy and Charter Members to meet as a Lodge to be known as “King Hiram”.

On the 15th day of November, 1920, the Lodge was duly instituted and consecrated. W. Bro. W.L. Abernathy was installed in the Chair of King Solomon and the Officers were invested to their several stations in King Hiram Lodge #566, on the register of Grand Lodge.

The name “King Hiram” was selected as being the most suitable to fulfill the hopes of the petitioners which was to build a strong Lodge appropriately named after King Hiram Abif the chief architect and overseer of the building of King Solomon’s Temple.

It was resolved that the Initiation Fee be set at $ 75.00, the Affiliation Fee at .00 and the Annual Dues at .00. The Tyler’s salary was set at 0.00 per year.

The Worshipful Master appointed a Visiting the Sick Committee, a Musical and an Entertainment Committee. A committee to set up the by-laws, a committee to arrange for a Ladie’s Night and a committee to arrange for and provide Christmas Entertainment.

The first candidate to be initiated was Mr. John Rutherford on June 4th, 1920.

The Work for the year consisted of 42 – E.A. Degrees, 32 – F.C. Degrees and 19 – M.M. Degrees.

The Twenties

The first King Hiram Ladie’s Night was held in the form of a reception in the banquet room. An honorarium was established to pay the Secretary 0.00 per year for his services. A special emergent meeting was held on Saturday, February 8th, 1922 to conduct 15 Master Mason Degrees which beat the previous record by one Degree. The Worshipful Master and brethren attended at the laying of the foundation stone at the Weston Masonic Temple. On March 19th, 1924, W.M. B.H. Capsey had the pleasure of initiating his son, Vincent Bertram Capsey into the First Degree of Masonry. It was adopted that the Lodge present to each candidate the Volume of the Sacred Law on which his obligation was sealed. An annual picnic was held at High Park. A committee was appointed to request the Temple Board to install a pipe organ in the Lodge Room and a piano in the Banquet Hall. King Hiram visited Niagara River Lodge in Niagara Falls, New York and on a return visit the Worshipful Master of Niagara River Lodge presented our Lodge with a gavel which had been made from a piece of oak from the Old Fort Niagara.

The Thirties

A new Lodge was instituted in the Annette Street Temple, named Memorial Lodge, in which many of the members of King Hiram were involved. W. Bro. Gordon James is installed as Worshipful Master being the first Master of King Hiram who was initiated into the Lodge, all others being Charter Members. Grand Lodge institutes an “Unemployment Bureau” under the Masonic Board of Relief due to the economic circumstances. In May 1935, we celebrated our 15th Anniversary. The creation of a Members Night was established and the ruling Master and W. Bro. Gately of Memorial Lodge conducted the Ceremony. In 1936, Ladies Night was postponed due to the death of King George V and the Grand Master requested a three month mourning period be observed. In 1938, with deep regret we recorded the death of W. Bro. W.L. Abernathy one of the founders and the first Master of King Hiram Lodge.

The Fourties

It was resolved that the dues of all members enlisting in the Armed Forces be waived.

To support the war effort, Grand Lodge inaugurated a Fund for War Relief to be contributed to by members at large through the various Lodges. King Hiram purchased 3 0.00 Victory Bonds and a further purchase in the amount of 0.00. Past Master, W. Bro. Fred Adams was honoured by the King as a Member of the British Empire (MBE) for his work in the supply of munitions. It was decided to send Christmas gifts to our members in the Forces. Bro. S.D. Shaw is installed in the Chair of King Solomon and initiates his son, Duncan Shaw and W.A. Bruce son of Bro. J.G. Bruce, the first Secretary of our Lodge. In 1945, we celebrated our 25th Anniversary. Our Grand Master requests us to hold a Thanksgiving Service for our victory in Germany. Bro. R.F. Wright is installed in the Chair of King Solomon. November 1st, becomes known as “Charlie Tottle” Night due to his reaching his 80th birthday and also for his long service to the Lodge. Bro. C.V. Tottle was elected Secretary in 1926 and served until his death in 1950. Bro. Wm. McBurnie returns to Lodge after serving 7 years overseas in the Armed Forces. W. Bro. Wm. Gow is appointed Grand Steward. Installation Night changes from January to December due to the continual bad weather conditions in January. It was approved that the Tyler’s pay be .50 per meeting.

The Fifties

W. Bro. E.D. Magett appoints Bro. Joe Kemp as Chaplain and Bro. Doug Wright as Ass’t. Secretary. R.W. Bro. Floyd Albertson is honoured for his 23 years of service as Treasurer and his work in the Lodge since its inception. Bro. A.E. (Ed) Dyer is installed in the Chair of King Solomon. Two minutes silence was observed in respect to his late Majesty, King George V1.V.W. Bro. S.D. Shaw was congratulated and presented the Regalia of Grand Steward. Meetings and discussions were held regarding the division of Toronto District A. At Grand Lodge it was decided to split the district into two districts, A1 and A2, to take place in 1955. A donation was presented to River Park Lodge to help in the rebuilding of their Temple due to the damage suffered by Hurricane Hazel. In July, 1955, Grand Lodge celebrated its 100th meeting. An open air service was held at Exhibition Park with over 2,500 in attendance. Mr. R.J. Elrick is initiated into King Hiram Lodge. V.W. Bro. Bill Gow presents V.W. Bro. Archie Wright with his Regalia of Grand Steward. Bro. Joe Kemp is installed in the Chair of King Solomon, his father Bro. J.T. Kemp presents a gift on behalf of the family.

The Sixties

Bro. Doug Wright is installed in the Chair of King Solomon by his father ,V.W. Bro. Archie Wright. This is the first time in the history of the Lodge that a father has installed his own son. The Metro Police Team confers the E.A. Degree on Mr. Robert N. Wilson. V.W. Bro. Archie Wright presents Grand Steward Regalia to V.W. Bro. Reg Wright. King Hiram members and ladies initiate visitations to William S. Farmer Lodge #1109 in Syracuse, New York. Mr. Lewis Crocker passes a Board of Trial and is accepted as a candidate for Initiation. W. Bro. Sam Wright is Installed in the Chair of King Solomon. Dues increase to .00. Father and Son night featured Johnny Bower of the Toronto Maple Leafs. W. Bro. A.E. (Ed) Dyer is elected D.D.G.M. of Toronto District #1. The following year Father and Son night featured Leo Cahill, coach of the Toronto Argonauts. Bro. Robert Elrick presents a D of C wand to the Lodge in memory of his father, Bro. Robert Elrick Sr.

The Seventies

In 1970 we celebrated our 50th Anniversary. Father, Son and Daughter night featured entertainment and movies. V.W. Bro. Archie Wright passed to the Grand Lodge Above. V.W. Bro. Bill Gow, 41 years a Past Master of King Hiram is the first member to receive a 50 year service pin. Bro. Sam Hough of Danville, California visits and later affiliates with King Hiram after moving to Toronto. Bro.’s Lloyd Lemoine and Ernest Roy Imrie receive 50 year pins. Bro. Arnold Sinclair continues to deliver profound lectures when presenting the Candidates Bible. Father and Son night features Darryl Sittler of the Toronto Maple Leafs. Lodge members enjoy memorable cruises with Bro. Bill Rhyme aboard the “Lomar”. Visitations with King Hiram Lodge #37, Ingersoll are initiated. Visitations continue which result in the creation of the King Hiram Friendship Gavel. The Rt. Hon. Chief Justice James C. McRuer of King Hiram Lodge receives a 50 year pin. Dues increase to .00. Bro. James Rushford Sr, is presented a plaque for his service to King Hiram as Chaplain and his 57 years in Masonry. V.W. Bro. Joe Kemp is appointed Grand Steward. Bro. Ron Padgett entertains regularly on the organ with great talent, artistry and his well known humour.
The Eighties

Our 60th Anniversary. V.W. Bro. Doug Wright is appointed Grand Tyler and is presented with his fathers regalia, V.W. Bro. Archie Wright. Bro. Aubrey McGill is presented a plaque for his devotion as Chairman of the Benevolent and Sick Committee. V.W. Bro. Joe Kemp and V.W. Bro. Doug Wright are honoured for their many years of service as Secretary and Treasurer of the Lodge. Members Night tradition continues with Bro. Henry Strackholder being Initiated. King Hiram makes a donation to the Barbara Turnbull Fund. W. Bro. Ernie Morrison is appointed as Assistant Grand Director of Ceremonies. Annual dues increase to .00. W. Bro. Robert N. Wilson is honoured and presented his Grand Steward Regalia by W. Bro. George Owttrim. A year later V.W. Bro. Robert N. Wilson is presented a plaque in recognition of his service to Masonry and King Hiram Lodge. The first District Walkathon takes place and proves to be very successful. W. Bro. Alistair Clement initiates his son, Mr. Graham Clement into King Hiram. Bro. Aubrey McGill is awarded the prestigious William Mercer Wilson Award. M.W. Bro. William R. Pellow, Grand Master attends the Installation Ceremony of Bro. Edward Grinko being placed in the Chair of King Solomon. King Hiram hosts the District Education which features St. John’s Lodge #209 from London, Ontario. King Hiram hosts a special Appreciation Night for all Past D.D.G.M.’s of Toronto District #1.
The Nineties

Bro. Tom Thompson visits from Scotland to share the Installation Ceremony with his brother, W. Bro. Hugh Thompson. W. Bro. Sam Wright is honoured and presented with the Regalia of Assistant Grand Secretary. Bro. Rick Morell is Installed in the Chair of King Solomon. King Hiram donates 00.00 to the Runnymede Chronic Care Hospital Fund. W. Bro. Sam Hough passes to the Grand Lodge above. R.W. Bro. A.E. (Ed) Dyer is presented a 50 year service pin. Bro. John Kikiantonis is awarded the Canada 125 Year Award Medal. W. Bro. Edward Grinko launches the district newsletter, “The Blue Print”. W. Bro. Robert Langzik and Bro. Aubrey McGill pass to the Grand Lodge above. V.W. Bro. Robert Wilson is appointed Grand Lodge Representative to the Grand Lodge of Utah. Memorial Lodge #652 affiliates with King Hiram Lodge. W. Bro. Lew Crocker is appointed Grand Steward. W. Bro. Rick Morell serves a second term as Worshipful Master. Bro. Earl Walsh is Installed in the Chair of King Solomon. In 1995 we celebrate our 75th Anniversary. A full year of celebrations and activities is planned including a Gala Anniversary Dance. Bro. John Kikiantonis is Installed in the Chair of King Solomon by V.W. Bro. Sam Wright who substituted for W. Bro. Edward Grinko due to the death of his wife. 50 year pins are presented to V.W. Bro. Doug J.B. Wright, V.W. Bro. Ed Wilkings, Bro. George Cowie and Bro. John Cholmomdeley. 25 year Past Master pins are presented to W. Bro. Proctor, R.W. Bro. Ed Dyer, V.W. Bro. Joe Kemp, V.W. Bro. Doug Wright, V.W. Bro. Ken McLean, W. Bro. Fred Twitchin, Sr., V.W. Bro. Sam Wright, V.W. Bro. Bill Hunter and W. Bro. Doug Kelman. W. Bro. Earl Walsh is Installed in the Chair of King Solomon for a second time by W. Bro. Lew Crocker. The following year Bro. Bill Wingrove is Installed in the Master’s Chair by W. Bro. Earl Walsh. V.W. Bro. Sam Wright is also Installed as Worshipful Master for his second time, 32 years later and initiated Bro.’s Scott Hoy, Ben MacDonald and Dusty Markle. We were saddened with the passing of V.W. Bro. Doug J.B. Wright to the Grand Lodge Above. W. Bro. Rick Morell is Installed in the Chair of King Solomon by W. Bro. Hugh Thompson.
A New Millennium

2000 – 2005

Bro. Aaron Williams is Raised to the Sublime Degree of a Master Mason. A special night and reception is held for R.W. Bro. Earl Walsh who was elected D.D.G.M. of Toronto District #1. Bro. Ken Mullings is Installed in the Chair of King Solomon by his friend and mentor, W. Bro. Hugh Thompson. V.W. Bro. Hugh McKnight is made an honourary member of the Lodge. A reception is held to present W. Bro. Robert Elrick with his Grand Lodge Regalia. Mr. Stephen Brode is Initiated into King Hiram Lodge. A special meeting is held at Central Park Lodge to congratulate Bro. Imrie on his 102nd Birthday and his 80 years a Mason. W. Bro. John Kikiantonis is Installed as Master for a second time and also re-accepts the Office the following year. W. Bro. Kikiantonis enjoys the honour and pleasure of Initiating his son, Emmanuel into Masonry. Mr. Andrew Adamyk is Initiated into King Hiram Lodge. A memorial was conducted for V.W. Bro. Robert Elrick and R.W. Bro. Robert Wilson who passed to the Grand Lodge Above. V.W. Bro. Bill Hunter receives his 50 year pin. W. Bro. Hugh Thompson passes to the Grand Lodge Above. W. Bro. Edward Grinko is Installed as master for a second time and enjoys the distinct pleasure of Initiating his son, Christopher. Mr. James Berry is also Initiated into Masonry. The Secretary’s honorarium is raised to 0.00. V.W. Bro. Ed Wilkings is made a life member of King Hiram Lodge. W. Bro. Rick Morell is Installed for the fourth time as Worshipful master. King Hiram Lodge is now in its 85th year. Mr. Daniel Berube and Michael Bonner are Initiated and Bro. Antonio Texeira is Raised to the Sublime Degree of a Master Mason. A special evening was conducted for W. Bro. Ken Mullings to celebrate his retirement and his return to Jamaica.
The intervening years between 1920 and 2005 have been momentous years of change in the History of the World.

Consider the Twenties, an era of building following World War I. The Depression of the Thirties. The conflict and hardship encountered due to World War II. The united efforts of rebuilding throughout the Forties and Fifties. The social changes and struggles throughout the Sixties and Seventies. The boom of the Eighties, the recession of the Nineties and the dreams and expectations of a new Millennium.

The years have also seen many changes in King Hiram Lodge. We have witnessed and shared in the lives of many of the Men who have been instrumental in the creation of and continuation of our Lodge.

Throughout the years the spirit of Masonry has always been kept alive and we have at all times remembered the wishes of our Founders, to uphold the basic principles on which the Lodge was established, “to keep this a friendly Lodge and to show true Brotherhood to All”. Our strength in the past has been in the dedication, loyalty and respect, for our Lodge by the many men who have affixed their signatures to our By-Laws.

Lives of great men all remind us

We can make our lives sublime,

And, departing, leave behind us

footprints on the sands of time

– Henry Wadsworth Longfellow

* Reprinted from the King Hiram Lodge #566 “Consecration Night” Booklet, November 15, 1920

The Florida Hardest-Hit Fund program was recently unveiled to help residents of the Sunshine State who are struggling to pay mortgage installments. Offered through the Florida Housing Finance Corporation, this program offers assistance to homeowners facing foreclosure.

The Florida Hardest-Hit Fund offers two programs including: Mortgage Loan Reinstatement Program (MLRP) and Unemployment Mortgage Assistance Program (UMAP). MLRP is designed to help residents that require financial help to pay off past due loan payments, while UMAP offers assistance to homeowners who are unemployed or underemployed.

While this program offers financial assistance to help Floridians avoid foreclosure, many who need help the most do not meet qualification guidelines. Florida Hardest-Hit Fund eligibility criteria include three categories and applicants must qualify for each. These include: property eligibility, household eligibility, and mortgage eligibility.

Another consideration is that mortgage servicers can deny applicants’ requests even if they meet all eligibility criteria set forth by the Hardest Hit program. This program does not guarantee bank approval, so homeowners should contact their lender and determine if they participate in the program and if their application will be accepted.

Oftentimes, bank loss mitigators handle applications for Hardest-Hit funding. Homeowners who are currently in preforeclosure have most likely been assigned to a loss mitigator. If not, homeowners will need to contact their lender to discuss the application process.

In addition to the three categories, homeowners must meet eligibility criteria of nine factors and two exclusions. Applicants must be a legal citizen or legal alien of the U.S. and a Florida resident. The property must be used as their primary residence.

Homeowners that apply for help through UMAP must be unemployed or underemployed. Their pretax household income must fall 140-percent below Florida’s median income level, which was last reported at $ 45,631. Overall mortgage debt must exceed 31-percent of total household pretax income.

Florida Hardest-Hit Fund requires all applicants to hold a checking or savings account that allows ACH payments to be debited. Homeowners who have filed personal bankruptcy or convicted of a mortgage-related felony within the past 10 years will not be accepted into the program.

FHHF only offers assistance for owner-occupied residential properties. These can include: single family residences, townhomes, condominiums, mobile or manufactured homes, or dwellings consisting of up to four units; one of which is occupied by the homeowner.

Hardest-Hit funds are only offered to qualified homeowners whose mortgage servicer is participating in the program. Default payments cannot exceed 180 days past due. The balance on the first mortgage cannot exceed $ 400,000 and the loan must have originated on or prior to January 1, 2009.

Florida homeowners can apply directly at the Florida Hardest-Hit Fund website at FLHardestHitHelp.org. Prior to submitting applications, homeowners should organize financial records and have access to total household wages, past due balances on first and second mortgages, bank account and routing number, and current personal tax return.

UMAP provides up to $ 12,000, while MLRP provides a maximum of $ 6,000 to qualified applicants. Funds must be used to resolve past due payments of the first mortgage.

Homeowners who find applying for Florida Hardest-Hit Fund confusing or uncertain if they will qualify may find it beneficial to obtain HUD housing counseling. This program offers complimentary counseling services to homeowners facing foreclosure. However, government budget cuts may make it inaccessible in the near future, so those in need of help should take advantage of services while they can.

Simon Volkov is a California real estate investor who writes about current events within the market. Topics include: Florida Hardest-Hit Fund, Short Sale Act of 2011, Mortgage Standards Reform, and the scandalous ForeclosureGate. Stay abreast of current trends by visiting www.SimonVolkov.com.
3000370182_cf0c301e75

Take advantages of unemployment fund benefits

Gulf Coast SURVIVORS.
unemployment fund
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm

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Powered by The People’s Email Network Copyright 2008, Patent pending, All rights reserved.

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