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Will You Add? - Cities, States, and Others Step Up Action on Climate, Despite Federal Reluctance
Bouncing On The Real Estate Bubble... How The Newbie Breaks In am – the car is a status symbol, a signal telling people how well you are doing. “But in Manhattan,” she said, “this is not the case. Everyone takes some form of public transportation, not just the poor.”Creative real estate investors have been experiencing a boom over the last decade. They have been able to see some serious profits in a relatively short period of time. Some markets continue to show this amazing growth too. Areas like Phoenix, AZ and Las Vegas, NV are as hot as the desert that they are located in. Some people predict and end in sight very quickly, while others believe that it will continue. Now, being that this article is based on facts, let's agree that we are currently in a real estate boom. With that being agreed upon, we can now move on to the lesson at hand.The "how to" business is booming in real estate and is as hot as some markets. Most of these self proclaimed gurus will tell you that you can make money in any neighborhood, in any economic climate, all while being in any financial situation you happen to be in. This may have worked a few times, which gave the guru a name or a motive, but the fact is that you need to have yourself in a good situation before you begin in real estate investing.Let's take a look at Maryland, Kentucky, North Carolina, and Texas just to name a few. These states have all passed or have pending legislation that will put a serious hurt on the creative real estate field. There is no way that Texas investors for example, can do a lease option if it is illegal correct? There is a provision though that states that the investor can buy the property outright (most newbies do not have that kind of cash), or he can use his line of credit (sorry, this is reserved for people with decent credit), or he can get a simple loan and ask the banker to agree to what he wants to do (this is easier than it sounds but you still need good credit).Every day I am asked by a new real estate investor (or wanna be), what the best route to take is when getting into the business. My same old answer is that you can learn any type of investor style, just make sure that you have yourself in order first. One word of caution too, don' be fooled into thinking that you Addressing Climate Change at the Clinton Global Initiative --Thinking Outside the Barrel “We face a global emergency; a deepening climate crisis that requires us to act.” -- Al Gore The Clinton Global Initiative, which took place in Manhattan on September 14 -16, 2005, served as a catalyst for spurring community-level development while providing a supportive atmosphere from which to facilitate pro-development policies at regional and national levels. During the session on Climate Change, Senator Clinton remarked that while the Federal government has avoided responsibility for climate change, state and local governments have been providing models for action. The very large disadvantage of this state and local leadership, Senator Clinton warned, “is it could lead to a patchwork of regulation, which I think would be very unfortunate and would pose extra burdens on the private sector.” In effect, she said, it is the private sector that has a big stake in pushing for a real national response – one that will actually deal with the problem, not continue to deny it or postpone it. Senator Clinton described her visit to Barrow, Alaska, where she met with a number of the scientists who have been charting climate change for 30 years. While ‘off the radar’ for many of us, the situation there is having very problematic effects for all of us. One professor studying the effects of Permafrost thawing explained that, as the Permafrost melts, it releases carbon and methane which makes our global warming worse. When Clinton asked him what an individual citizen could do to solve the problem, he responded, “plant more trees.” Trees have a sequestering ability. They absorb the excess carbon dioxide in that atmosphere and in return give back clean oxygen. That's something every one of us can do, she added, alone, with family, group, neighborhoods, and communities. And the other is: each of us can make decisions that insure we are as energy efficient as we can be in our homes and in our places of business and try to make better choices about transportation. While these individual choices might seem very small in and of themselves, she told us, in the aggregate, they can also influence policy. Tom Roper, retired Victorian Parliament and current Project Director of the Global Sustainable Energy Islands Initiative (GSEII), represents a group that must rely on the International community. While the small island developing states (SIDS) are collectively the least responsible for greenhouse gas emissions through fossil fuel use and defores With a Health Care Background You Can Find a Rewarding Career in Life Care Planning Last year, Pentagon defense adviser Andrew Marshall issued a harsh warning of the consequences of climate change: mass chaos, national security crises and food shortages. If climate change occurs abruptly, the report declared, there could be a catastrophic breakdown in international security. Wars over access to food, water, and energy would likely break out between states. Even if climate change is more gradual, recent studies have argued that as many as one million plant and animal species could be rendered extinct by 2050 due to the effects of global warming.Individuals dealing with catastrophic injuries and health problems often need an advocate to help them effectively deal with all the issues surrounding this type of serious situation. Life care planners bridge the gap between the medical and legal communities helping patients and their families cope with these issues and provide and maintain the best quality of life possible for the patient.Who Can Become A Life Care Planner?Life Care Planning requires a particular skill set. Qualified rehabilitation professionals and registered nurses interested in facilitating the treatment and care of individuals with catastrophic injuries or chronic health problems can earn their Life Care Planning Certification online and find career options in this vital field. Others who might also be interested in life care planning include occupational therapists, physical therapists, rehabilitation counselors, case managers, social workers, psychologists, medical doctors, chiropractors, nurse practitioners, special education professionals, licensed speech pathologists, and professional counselors.Help Patients Improve their Quality of LifeLife care planners help patients find ways to best manage their day-to-day lives along with issues such as planning for necessary long-term care and discovering the options for providing the best quality of life possible for the patient.Project Medical Costs and Provide Legal AdviceLife care planners analyze and project future medical costs as well as the cost of long-term care, and as a result are often called upon to testify regarding the loss of future earnings and rehabilitation needs in lawsuits involving their clients. As a life care planner, you can be a comfort to the patient as someone who knows medical terminology and can offer legal advice.Work with Doctors and Medical Staff to Provide Optimal CareOne of the vital roles of the life care planner is to meet with the patient's physician to explore the most effecti Climate change is the most serious challenge facing the international community. In order to plan for a sustainable future – one that meets needs today without compromising meeting the needs of future generations – global warming must be addressed. We have arrived at a stage in human evolution that requires international cooperation – a stage which demands that world leaders put world priorities ahead of national political agendas in order to halt the peril threatening humanity. In 1987, the World Commission on Environment and Development (WCED) asked all nations to renew their commitment to implement policies based on the three pillars of sustainable development – economic, environmental and social – in order to arrest environmental deterioration and revive world economic growth. In particular, the report stated, poverty has played a major role in environmental degradation. Not only is it our moral obligation to eliminate poverty, the report revealed it is essential to protecting and improving the environment. Further reports have concluded that environmentally unsound technology has been exponentially far more detrimental to sustainable development than even population growth. In order to achieve sustainable development, the Commission reported, our cities must be considered in the global concerted effort. Rural-to-urban migration and its negative impacts must be stopped, or better, as Urbanist Kaarin Taipale puts it, we must “transform urban growth into an engine of sustainability.” Since three-fourths of the global warming pollution could be solved if we decreased burning fossil fuels, one of the most effective ways to transform urban growth is by switching to alternative energy sources. Fortunately, there are many means of harnessing energy which have less damaging impacts on our environment than fossil fuels, and we already have developed all the technological resources needed. Now we must admit there is a problem and start working in the direction to make this transition. If our current leaders do not want to face this pressing challenge with integrity, then as Leonardo Dicaprio urges, we need to vote for leaders who care about the environment and our health and the future generations. A Call to Action On October 25, 2005, Senator Hillary Clinton (NY) called for a national energy strategy enlisting the oil industry in a process that would help consumers while making the transition to alternative energy technologies. Her plan redirects the hidden "tax" that Americans are already paying to OPEC and the oil companies, but she explained “lasts only long enough to kick-start the alternative energy market that we all know is out there.” Speaking to Cleantech Venture Network, a group of venture capitalists who recently were named by Wall Street Journal reports for their success in developing clean energy as a viable investment category, Clinton emphasized the immediate concern which is how to help citizens pay their bills and keep the economy moving in the face of dramatically higher energy costs. There is no question, she said, that our failure to make better energy choices is sapping our pocketbooks, limiting our competitiveness, threatening our environment and even our national security. "Hurricanes Katrina and Rita made that brutally clear." The far reaching problem we face, Senator Clinton stated, is coping with the impacts of massive economic development and competition for oil in other parts of the world such as India and China in the next twenty years. "Loosening environmental standards or opening up a new oil field or two is not going to offset this seismic shift in energy demand," she explained. Her plan unburdens the American people of foreign oil dependence, investing a portion of the profits into the U.S. energy future, instead of regimes we would never choose to subsidize. The oil industries can choose to either reinvest their profits into America’s energy future or contribute to a new Strategic Energy Fund, she said. The Strategic Energy Fund would help consumers cope with spiraling energy costs, promote adoption of existing clean energy and conservation technologies, while stimulating research and investment by the private sector. She also recommends assessing an alternative energy development fee for those companies deciding not to directly reinvest in our energy future. That fee, she explained would help fund energy transition. "The Fund could generate as much as $20 billion a year to help with home heating oil costs and develop new energy strategies." In this way, she explained, we would reduce our reliance on fossil fuel, make existing alternative technologies more affordable, jump start our technology, and regain U.S. world leadership. It’s got "Made in America" written on it, in addition to providing a role model for developing nations. The "energy revolution" can be as big and important as the industrial revolution and the explosion of the information age. However, we have to do what America has always done when faced with a big challenge, she said, "roll up our sleeves and dedicate this country to finding a solution." In effect, she explained, "the country that put a man on the moon can be the country to find new lower cost and cleaner forms of energy. Our nation needs it. Our planet needs it." Addressing Climate Change The Rio de Janeiro Summit in 1992 articulated the need to include humanity as well as environmental protection in the sustainability equation. Hence, it concluded, the critical problem of poverty must also be addressed. When the United Nations authorized the World Summit on Sustainable Development in 2002, it had already realized poverty had deepened and environmental degradation had worsened since the 1992 Summit. The world needed a new summit of actions with results, and not just intent. Managing urban environmental conditions ultimately belongs with national governments, businesses, scientific bodies, and communities working together; but history shows us U.S. involvement has always sped and strengthened global progress in improving urban environmental conditions for sustainable development. Although the United States makes up four percent of the world's population and produces 22 percent of the world's greenhouse gases, it’s refusal to ratify the Kyoto Protocol’s call for reductions in the greenhouse gases merely underscores Federal unwillingness to address climate change. Claiming that the treaty would raise energy prices and kill five million U.S. jobs, the Administration has even raised questions about the scientific legitimacy of climate change. As British Petroleum CEO John Browne put it, “The time to consider the policy dimensions of climate change is not when the link is conclusively proven, but when the possibility cannot be discounted.” According to a study published by Princeton professors Robert Socolow and Stephen Pacala, the U.S. could reduce emissions to below the 1970 levels just with its current technology. “We in fact already have everything we need to face this challenge,” Vice President Gore has said, “save perhaps political will. But in our democracy political will is a renewable resource.” Embracing the Urban Challenge The former Vice President challenged the notion that addressing the problem of climate change would harm our economy. “Incredible opportunities in addressing climate change are available that would help, not hurt, our economy,” he said. Citing how the city of Portland, Oregon, independently decided to reduce greenhouse emissions below the Kyoto limits, Gore reported that Portland has come within a hair of achieving its goal “and has prospered economically while doing so.” More than 160 cities have already made commitments and are involved in combating global warming by reshaping their cities through innovative programs and technologies. Mayors across the country created a coalition of their own to deal with climate change. Worldwide, cities and provinces are working together to end global warming: 675 localities in thirty countries are now documented participants. Moreover, 152 U.S. cities and counties and 100 Canadian localities have joined in Cities for Climate Protection program created and run by ICLEI. Scores of major U.S. cities have already reduced their emissions below 1990 levels, saving $600 million through efficiency measures. These coalition mayors say they have made urban living more eco-friendly while creating local jobs. They have also agreed to pressure Congress to pass the bipartisan Climate Stewardship Act, which would establish a national emissions trading system. Critics say U.S. government efforts are coming too slowly. According to the White House Council on Environmental Quality, the Administration is spending $2 billion on initiatives to promote renewable energy, clean-coal technology, hydrogen-powered vehicles, and nuclear power. President Bush's energy bill, which went into effect in August 2005, calls for industry to slow emission increases, but it still does not demand an overall reduction. Senator Clinton explained emphasis must not only be placed on increased use of alternative energy sources, but the federal government must offer direction by setting clear, measurable goals. In this way, she said we can assume leadership in solving our energy crisis. Therefore, as part of her national energy strategy, she is calling on Washington to replace its entire fleet of government vehicles with fuel-efficient cars and trucks by 2010. Urbanist Kaarin Taipale explained what’s wrong with the tempo of the forthcoming energy mandates from the Bush Administration. “They are just now calling for gas efficiency changes, not only are these efforts coming as too little, too late; they only save a few gallons of gas while cars are heavier, using more energy through electronics and air conditioning.” Besides, she said, making cars more energy efficient will not solve our urban problems alone. “Cities must be made to have mass transportation accessible, viable, and not just for the poor,” she stated. We need to build cities where people do not depend on their own private car. “I’m not talking about green ideology; where we use bicycles and suffer – or where we all live provincial and primitive lives,” she explained. She then cited Manhattan as an example: even though it was not originally purposely planned to be energy efficient, the city offers a great transportation system. In most cities in America – and even more in the rest of the world where buying American cars imitates the American Dream – the car is a status symbol, a signal telling people how well you are doing. “But in Manhattan,” she said, “this is not the case. Everyone takes some form of public transportation, not just the poor.” Addressing Climate Change at the Clinton Global Initiative --Thinking Outside the Barrel “We face a global emergency; a deepening climate crisis that requires us to act.” -- Al Gore The Clinton Global Initiative, which took place in Manhattan on September 14 -16, 2005, served as a catalyst for spurring community-level development while providing a supportive atmosphere from which to facilitate pro-development policies at regional and national levels. During the session on Climate Change, Senator Clinton remarked that while the Federal government has avoided responsibility for climate change, state and local governments have been providing models for action. The very large disadvantage of this state and local leadership, Senator Clinton warned, “is it could lead to a patchwork of regulation, which I think would be very unfortunate and would pose extra burdens on the private sector.” In effect, she said, it is the private sector that has a big stake in pushing for a real national response – one that will actually deal with the problem, not continue to deny it or postpone it. Senator Clinton described her visit to Barrow, Alaska, where she met with a number of the scientists who have been charting climate change for 30 years. While ‘off the radar’ for many of us, the situation there is having very problematic effects for all of us. One professor studying the effects of Permafrost thawing explained that, as the Permafrost melts, it releases carbon and methane which makes our global warming worse. When Clinton asked him what an individual citizen could do to solve the problem, he responded, “plant more trees.” Trees have a sequestering ability. They absorb the excess carbon dioxide in that atmosphere and in return give back clean oxygen. That's something every one of us can do, she added, alone, with family, group, neighborhoods, and communities. And the other is: each of us can make decisions that insure we are as energy efficient as we can be in our homes and in our places of business and try to make better choices about transportation. While these individual choices might seem very small in and of themselves, she told us, in the aggregate, they can also influence policy. Tom Roper, retired Victorian Parliament and current Project Director of the Global Sustainable Energy Islands Initiative (GSEII), represents a group that must rely on the International community. While the small island developing states (SIDS) are collectively the least responsible for greenhouse gas emissions through fossil fuel use and deforest Postcard Marketing Ideas for Landscaping Companies /p>Direct mail postcards allow marketers to pinpoint specific neighborhoods with their message. And many landscapers focus heavily on neighborhoods in their marketing efforts. This makes postcard marketing the perfect promotional tool for landscaping companies.Better still, the number of ways landscapers can use postcards is limited only by their imagination. Here are but a few of those ideas:1. Seasonal Reminders Many homeowners know very little about the seasonality of lawn maintenance, planting and such. So why not tell them. Try sending regular reminders, such as: "Planting season is right around the corner! Do you have ideas for your backyard? Call us for a free on-the-lawn consultation."2. Customer Follow-up You're probably familiar with the 80/20 rule -- you get 80% of your business from 20% of your customers. You've probably also heard how much more expensive it is to acquire a new customer than to retain a current one.With this in mind, why not send your best customers thank-you cards, holiday greetings or special offers? It's a great way to stay in touch with the 20% who mean the most to your business.3. Neighborhood Prospecting Around a "Prize Lawn" You've worked hard to maintain the lawn at 245 Maple Drive. And it looks fantastic! So don't be shy -- tell the rest of the neighborhood who's behind the beauty. With postcard marketing, you can target the exact streets and subdivisions you want. This lets you draw attention to projects the recipient has probably already seen! Can you see the possibilities of such an approach?4. Tip-of-the-Month Series Want an easy way to stay "top of mind" with your prospecting area? Want to build value into your postcards to keep them out of the trashcan? Try a tip-of-the-month series. The concept is simple: take your sales message, and wrap it inside a helpful hint so the homeowner has an extra reason to keep it.The goal here is not to give away your trade secrets -- but to make A Call to Action On October 25, 2005, Senator Hillary Clinton (NY) called for a national energy strategy enlisting the oil industry in a process that would help consumers while making the transition to alternative energy technologies. Her plan redirects the hidden "tax" that Americans are already paying to OPEC and the oil companies, but she explained “lasts only long enough to kick-start the alternative energy market that we all know is out there.” Speaking to Cleantech Venture Network, a group of venture capitalists who recently were named by Wall Street Journal reports for their success in developing clean energy as a viable investment category, Clinton emphasized the immediate concern which is how to help citizens pay their bills and keep the economy moving in the face of dramatically higher energy costs. There is no question, she said, that our failure to make better energy choices is sapping our pocketbooks, limiting our competitiveness, threatening our environment and even our national security. "Hurricanes Katrina and Rita made that brutally clear." The far reaching problem we face, Senator Clinton stated, is coping with the impacts of massive economic development and competition for oil in other parts of the world such as India and China in the next twenty years. "Loosening environmental standards or opening up a new oil field or two is not going to offset this seismic shift in energy demand," she explained. Her plan unburdens the American people of foreign oil dependence, investing a portion of the profits into the U.S. energy future, instead of regimes we would never choose to subsidize. The oil industries can choose to either reinvest their profits into America’s energy future or contribute to a new Strategic Energy Fund, she said. The Strategic Energy Fund would help consumers cope with spiraling energy costs, promote adoption of existing clean energy and conservation technologies, while stimulating research and investment by the private sector. She also recommends assessing an alternative energy development fee for those companies deciding not to directly reinvest in our energy future. That fee, she explained would help fund energy transition. "The Fund could generate as much as $20 billion a year to help with home heating oil costs and develop new energy strategies." In this way, she explained, we would reduce our reliance on fossil fuel, make existing alternative technologies more affordable, jump start our technology, and regain U.S. world leadership. It’s got "Made in America" written on it, in addition to providing a role model for developing nations. The "energy revolution" can be as big and important as the industrial revolution and the explosion of the information age. However, we have to do what America has always done when faced with a big challenge, she said, "roll up our sleeves and dedicate this country to finding a solution." In effect, she explained, "the country that put a man on the moon can be the country to find new lower cost and cleaner forms of energy. Our nation needs it. Our planet needs it." Addressing Climate Change The Rio de Janeiro Summit in 1992 articulated the need to include humanity as well as environmental protection in the sustainability equation. Hence, it concluded, the critical problem of poverty must also be addressed. When the United Nations authorized the World Summit on Sustainable Development in 2002, it had already realized poverty had deepened and environmental degradation had worsened since the 1992 Summit. The world needed a new summit of actions with results, and not just intent. Managing urban environmental conditions ultimately belongs with national governments, businesses, scientific bodies, and communities working together; but history shows us U.S. involvement has always sped and strengthened global progress in improving urban environmental conditions for sustainable development. Although the United States makes up four percent of the world's population and produces 22 percent of the world's greenhouse gases, it’s refusal to ratify the Kyoto Protocol’s call for reductions in the greenhouse gases merely underscores Federal unwillingness to address climate change. Claiming that the treaty would raise energy prices and kill five million U.S. jobs, the Administration has even raised questions about the scientific legitimacy of climate change. As British Petroleum CEO John Browne put it, “The time to consider the policy dimensions of climate change is not when the link is conclusively proven, but when the possibility cannot be discounted.” According to a study published by Princeton professors Robert Socolow and Stephen Pacala, the U.S. could reduce emissions to below the 1970 levels just with its current technology. “We in fact already have everything we need to face this challenge,” Vice President Gore has said, “save perhaps political will. But in our democracy political will is a renewable resource.” Embracing the Urban Challenge The former Vice President challenged the notion that addressing the problem of climate change would harm our economy. “Incredible opportunities in addressing climate change are available that would help, not hurt, our economy,” he said. Citing how the city of Portland, Oregon, independently decided to reduce greenhouse emissions below the Kyoto limits, Gore reported that Portland has come within a hair of achieving its goal “and has prospered economically while doing so.” More than 160 cities have already made commitments and are involved in combating global warming by reshaping their cities through innovative programs and technologies. Mayors across the country created a coalition of their own to deal with climate change. Worldwide, cities and provinces are working together to end global warming: 675 localities in thirty countries are now documented participants. Moreover, 152 U.S. cities and counties and 100 Canadian localities have joined in Cities for Climate Protection program created and run by ICLEI. Scores of major U.S. cities have already reduced their emissions below 1990 levels, saving $600 million through efficiency measures. These coalition mayors say they have made urban living more eco-friendly while creating local jobs. They have also agreed to pressure Congress to pass the bipartisan Climate Stewardship Act, which would establish a national emissions trading system. Critics say U.S. government efforts are coming too slowly. According to the White House Council on Environmental Quality, the Administration is spending $2 billion on initiatives to promote renewable energy, clean-coal technology, hydrogen-powered vehicles, and nuclear power. President Bush's energy bill, which went into effect in August 2005, calls for industry to slow emission increases, but it still does not demand an overall reduction. Senator Clinton explained emphasis must not only be placed on increased use of alternative energy sources, but the federal government must offer direction by setting clear, measurable goals. In this way, she said we can assume leadership in solving our energy crisis. Therefore, as part of her national energy strategy, she is calling on Washington to replace its entire fleet of government vehicles with fuel-efficient cars and trucks by 2010. Urbanist Kaarin Taipale explained what’s wrong with the tempo of the forthcoming energy mandates from the Bush Administration. “They are just now calling for gas efficiency changes, not only are these efforts coming as too little, too late; they only save a few gallons of gas while cars are heavier, using more energy through electronics and air conditioning.” Besides, she said, making cars more energy efficient will not solve our urban problems alone. “Cities must be made to have mass transportation accessible, viable, and not just for the poor,” she stated. We need to build cities where people do not depend on their own private car. “I’m not talking about green ideology; where we use bicycles and suffer – or where we all live provincial and primitive lives,” she explained. She then cited Manhattan as an example: even though it was not originally purposely planned to be energy efficient, the city offers a great transportation system. In most cities in America – and even more in the rest of the world where buying American cars imitates the American Dream – the car is a status symbol, a signal telling people how well you are doing. “But in Manhattan,” she said, “this is not the case. Everyone takes some form of public transportation, not just the poor.” Addressing Climate Change at the Clinton Global Initiative --Thinking Outside the Barrel “We face a global emergency; a deepening climate crisis that requires us to act.” -- Al Gore The Clinton Global Initiative, which took place in Manhattan on September 14 -16, 2005, served as a catalyst for spurring community-level development while providing a supportive atmosphere from which to facilitate pro-development policies at regional and national levels. During the session on Climate Change, Senator Clinton remarked that while the Federal government has avoided responsibility for climate change, state and local governments have been providing models for action. The very large disadvantage of this state and local leadership, Senator Clinton warned, “is it could lead to a patchwork of regulation, which I think would be very unfortunate and would pose extra burdens on the private sector.” In effect, she said, it is the private sector that has a big stake in pushing for a real national response – one that will actually deal with the problem, not continue to deny it or postpone it. Senator Clinton described her visit to Barrow, Alaska, where she met with a number of the scientists who have been charting climate change for 30 years. While ‘off the radar’ for many of us, the situation there is having very problematic effects for all of us. One professor studying the effects of Permafrost thawing explained that, as the Permafrost melts, it releases carbon and methane which makes our global warming worse. When Clinton asked him what an individual citizen could do to solve the problem, he responded, “plant more trees.” Trees have a sequestering ability. They absorb the excess carbon dioxide in that atmosphere and in return give back clean oxygen. That's something every one of us can do, she added, alone, with family, group, neighborhoods, and communities. And the other is: each of us can make decisions that insure we are as energy efficient as we can be in our homes and in our places of business and try to make better choices about transportation. While these individual choices might seem very small in and of themselves, she told us, in the aggregate, they can also influence policy. Tom Roper, retired Victorian Parliament and current Project Director of the Global Sustainable Energy Islands Initiative (GSEII), represents a group that must rely on the International community. While the small island developing states (SIDS) are collectively the least responsible for greenhouse gas emissions through fossil fuel use and defores Tips for Mortgage Refinancing and Debt Consolidation done when faced with a big challenge, she said, "roll up our sleeves and dedicate this country to finding a solution." In effect, she explained, "the country that put a man on the moon can be the country to find new lower cost and cleaner forms of energy. Our nation needs it. Our planet needs it."Many people discover that their credit card debt is out of control when they get their monthly bank statement. Mortgage payment, everyday spending, services and occasionally getaways or dining out can bring your balance over-the-limit fees. It’s time to consider debt consolidation to save your money - credit card balance transfer, home equity loan or mortgage refinancing.One of the best ways to obtain debt relief is by consolidating your debts with a mortgage refinancing if the timing is right. Refinanced mortgage is a form of debt help for the borrower, who will be able to pay down the old mortgage with the money of a new loan. The benefit of mortgage refinance is based in not only debt consolidation of other debt, but in getting a lower interest rate, lower pay off, and taking cash out of the home equity. Although every borrower may have their particular reason for applying for a new loan, all of them share the desire for debt relief by reducing their mortgages' interests’ rates and liquidating cash from their home equity when possible. Mortgage refinancing usually costs a couple of thousand dollars in closing cost besides the time you spend on research, application etc. Debt advice on home mortgage can easily be obtained through the mortgage lender, mortgage broker, financial institutions and Government Consumer Protection Offices.Because secure loans and mortgages are backed up by collateral property or a guarantee for any other sort of asset, lowering the rates means more savings and debt relief. Mortgage refinancing could quickly reduce your debt if done properly. Mortgage refinancing lets you cash out your equity to be applied for debt relief purposes, and allow you to qualify for lower rates than a home equity loan. A single mortgage is often considered less risky than having two loans.Taking a shorter term in your mortgage refinancing may further lower the interest rate. For instance, if your original mortgage is a 30-year loan, you may consider a 15-year mortgage while refinanci Addressing Climate Change The Rio de Janeiro Summit in 1992 articulated the need to include humanity as well as environmental protection in the sustainability equation. Hence, it concluded, the critical problem of poverty must also be addressed. When the United Nations authorized the World Summit on Sustainable Development in 2002, it had already realized poverty had deepened and environmental degradation had worsened since the 1992 Summit. The world needed a new summit of actions with results, and not just intent. Managing urban environmental conditions ultimately belongs with national governments, businesses, scientific bodies, and communities working together; but history shows us U.S. involvement has always sped and strengthened global progress in improving urban environmental conditions for sustainable development. Although the United States makes up four percent of the world's population and produces 22 percent of the world's greenhouse gases, it’s refusal to ratify the Kyoto Protocol’s call for reductions in the greenhouse gases merely underscores Federal unwillingness to address climate change. Claiming that the treaty would raise energy prices and kill five million U.S. jobs, the Administration has even raised questions about the scientific legitimacy of climate change. As British Petroleum CEO John Browne put it, “The time to consider the policy dimensions of climate change is not when the link is conclusively proven, but when the possibility cannot be discounted.” According to a study published by Princeton professors Robert Socolow and Stephen Pacala, the U.S. could reduce emissions to below the 1970 levels just with its current technology. “We in fact already have everything we need to face this challenge,” Vice President Gore has said, “save perhaps political will. But in our democracy political will is a renewable resource.” Embracing the Urban Challenge The former Vice President challenged the notion that addressing the problem of climate change would harm our economy. “Incredible opportunities in addressing climate change are available that would help, not hurt, our economy,” he said. Citing how the city of Portland, Oregon, independently decided to reduce greenhouse emissions below the Kyoto limits, Gore reported that Portland has come within a hair of achieving its goal “and has prospered economically while doing so.” More than 160 cities have already made commitments and are involved in combating global warming by reshaping their cities through innovative programs and technologies. Mayors across the country created a coalition of their own to deal with climate change. Worldwide, cities and provinces are working together to end global warming: 675 localities in thirty countries are now documented participants. Moreover, 152 U.S. cities and counties and 100 Canadian localities have joined in Cities for Climate Protection program created and run by ICLEI. Scores of major U.S. cities have already reduced their emissions below 1990 levels, saving $600 million through efficiency measures. These coalition mayors say they have made urban living more eco-friendly while creating local jobs. They have also agreed to pressure Congress to pass the bipartisan Climate Stewardship Act, which would establish a national emissions trading system. Critics say U.S. government efforts are coming too slowly. According to the White House Council on Environmental Quality, the Administration is spending $2 billion on initiatives to promote renewable energy, clean-coal technology, hydrogen-powered vehicles, and nuclear power. President Bush's energy bill, which went into effect in August 2005, calls for industry to slow emission increases, but it still does not demand an overall reduction. Senator Clinton explained emphasis must not only be placed on increased use of alternative energy sources, but the federal government must offer direction by setting clear, measurable goals. In this way, she said we can assume leadership in solving our energy crisis. Therefore, as part of her national energy strategy, she is calling on Washington to replace its entire fleet of government vehicles with fuel-efficient cars and trucks by 2010. Urbanist Kaarin Taipale explained what’s wrong with the tempo of the forthcoming energy mandates from the Bush Administration. “They are just now calling for gas efficiency changes, not only are these efforts coming as too little, too late; they only save a few gallons of gas while cars are heavier, using more energy through electronics and air conditioning.” Besides, she said, making cars more energy efficient will not solve our urban problems alone. “Cities must be made to have mass transportation accessible, viable, and not just for the poor,” she stated. We need to build cities where people do not depend on their own private car. “I’m not talking about green ideology; where we use bicycles and suffer – or where we all live provincial and primitive lives,” she explained. She then cited Manhattan as an example: even though it was not originally purposely planned to be energy efficient, the city offers a great transportation system. In most cities in America – and even more in the rest of the world where buying American cars imitates the American Dream – the car is a status symbol, a signal telling people how well you are doing. “But in Manhattan,” she said, “this is not the case. Everyone takes some form of public transportation, not just the poor.” Addressing Climate Change at the Clinton Global Initiative --Thinking Outside the Barrel “We face a global emergency; a deepening climate crisis that requires us to act.” -- Al Gore The Clinton Global Initiative, which took place in Manhattan on September 14 -16, 2005, served as a catalyst for spurring community-level development while providing a supportive atmosphere from which to facilitate pro-development policies at regional and national levels. During the session on Climate Change, Senator Clinton remarked that while the Federal government has avoided responsibility for climate change, state and local governments have been providing models for action. The very large disadvantage of this state and local leadership, Senator Clinton warned, “is it could lead to a patchwork of regulation, which I think would be very unfortunate and would pose extra burdens on the private sector.” In effect, she said, it is the private sector that has a big stake in pushing for a real national response – one that will actually deal with the problem, not continue to deny it or postpone it. Senator Clinton described her visit to Barrow, Alaska, where she met with a number of the scientists who have been charting climate change for 30 years. While ‘off the radar’ for many of us, the situation there is having very problematic effects for all of us. One professor studying the effects of Permafrost thawing explained that, as the Permafrost melts, it releases carbon and methane which makes our global warming worse. When Clinton asked him what an individual citizen could do to solve the problem, he responded, “plant more trees.” Trees have a sequestering ability. They absorb the excess carbon dioxide in that atmosphere and in return give back clean oxygen. That's something every one of us can do, she added, alone, with family, group, neighborhoods, and communities. And the other is: each of us can make decisions that insure we are as energy efficient as we can be in our homes and in our places of business and try to make better choices about transportation. While these individual choices might seem very small in and of themselves, she told us, in the aggregate, they can also influence policy. Tom Roper, retired Victorian Parliament and current Project Director of the Global Sustainable Energy Islands Initiative (GSEII), represents a group that must rely on the International community. While the small island developing states (SIDS) are collectively the least responsible for greenhouse gas emissions through fossil fuel use and defores Earn Your C's as A Speaker by reshaping their cities through innovative programs and technologies. Mayors across the country created a coalition of their own to deal with climate change.Franklin Delano Roosevelt had some good advice for the public speaker when he said, be sincere, be brief, be seated. Be simple, natural and effective and earn your C’s.1. Be fully Committed to your message and be ready to take action in the face of doubt.2. Be Competent concentrate on your audience and customize your remarks to show that you know what is important to them.3. Demonstrate Candor. Tell your truth. Be vulnerable. Share your mishaps.4. Challenge yourself and then Challenge your audience to think differently, make some change, take some action.5. Have the Courage to talk about uncomfortable things. Don’t only give the audience what they want, but what they need to hear.6. Collaborate, not compete, with your audience with your speaker colleagues.7. Honor your Covenant with your audience. Understand the awesome opportunity you have at the platform and take it seriously. Worldwide, cities and provinces are working together to end global warming: 675 localities in thirty countries are now documented participants. Moreover, 152 U.S. cities and counties and 100 Canadian localities have joined in Cities for Climate Protection program created and run by ICLEI. Scores of major U.S. cities have already reduced their emissions below 1990 levels, saving $600 million through efficiency measures. These coalition mayors say they have made urban living more eco-friendly while creating local jobs. They have also agreed to pressure Congress to pass the bipartisan Climate Stewardship Act, which would establish a national emissions trading system. Critics say U.S. government efforts are coming too slowly. According to the White House Council on Environmental Quality, the Administration is spending $2 billion on initiatives to promote renewable energy, clean-coal technology, hydrogen-powered vehicles, and nuclear power. President Bush's energy bill, which went into effect in August 2005, calls for industry to slow emission increases, but it still does not demand an overall reduction. Senator Clinton explained emphasis must not only be placed on increased use of alternative energy sources, but the federal government must offer direction by setting clear, measurable goals. In this way, she said we can assume leadership in solving our energy crisis. Therefore, as part of her national energy strategy, she is calling on Washington to replace its entire fleet of government vehicles with fuel-efficient cars and trucks by 2010. Urbanist Kaarin Taipale explained what’s wrong with the tempo of the forthcoming energy mandates from the Bush Administration. “They are just now calling for gas efficiency changes, not only are these efforts coming as too little, too late; they only save a few gallons of gas while cars are heavier, using more energy through electronics and air conditioning.” Besides, she said, making cars more energy efficient will not solve our urban problems alone. “Cities must be made to have mass transportation accessible, viable, and not just for the poor,” she stated. We need to build cities where people do not depend on their own private car. “I’m not talking about green ideology; where we use bicycles and suffer – or where we all live provincial and primitive lives,” she explained. She then cited Manhattan as an example: even though it was not originally purposely planned to be energy efficient, the city offers a great transportation system. In most cities in America – and even more in the rest of the world where buying American cars imitates the American Dream – the car is a status symbol, a signal telling people how well you are doing. “But in Manhattan,” she said, “this is not the case. Everyone takes some form of public transportation, not just the poor.” Addressing Climate Change at the Clinton Global Initiative --Thinking Outside the Barrel “We face a global emergency; a deepening climate crisis that requires us to act.” -- Al Gore The Clinton Global Initiative, which took place in Manhattan on September 14 -16, 2005, served as a catalyst for spurring community-level development while providing a supportive atmosphere from which to facilitate pro-development policies at regional and national levels. During the session on Climate Change, Senator Clinton remarked that while the Federal government has avoided responsibility for climate change, state and local governments have been providing models for action. The very large disadvantage of this state and local leadership, Senator Clinton warned, “is it could lead to a patchwork of regulation, which I think would be very unfortunate and would pose extra burdens on the private sector.” In effect, she said, it is the private sector that has a big stake in pushing for a real national response – one that will actually deal with the problem, not continue to deny it or postpone it. Senator Clinton described her visit to Barrow, Alaska, where she met with a number of the scientists who have been charting climate change for 30 years. While ‘off the radar’ for many of us, the situation there is having very problematic effects for all of us. One professor studying the effects of Permafrost thawing explained that, as the Permafrost melts, it releases carbon and methane which makes our global warming worse. When Clinton asked him what an individual citizen could do to solve the problem, he responded, “plant more trees.” Trees have a sequestering ability. They absorb the excess carbon dioxide in that atmosphere and in return give back clean oxygen. That's something every one of us can do, she added, alone, with family, group, neighborhoods, and communities. And the other is: each of us can make decisions that insure we are as energy efficient as we can be in our homes and in our places of business and try to make better choices about transportation. While these individual choices might seem very small in and of themselves, she told us, in the aggregate, they can also influence policy. Tom Roper, retired Victorian Parliament and current Project Director of the Global Sustainable Energy Islands Initiative (GSEII), represents a group that must rely on the International community. While the small island developing states (SIDS) are collectively the least responsible for greenhouse gas emissions through fossil fuel use and defores Automatic Email Responder: A Remotely-Hosted Followup Autoresponder For Your Internet Marketing am – the car is a status symbol, a signal telling people how well you are doing. “But in Manhattan,” she said, “this is not the case. Everyone takes some form of public transportation, not just the poor.”In this article, we will look at the following issues:1. What is a remotely-hosted autoresponder? 2. What are the advantages and disadvantages of a remotely-hosted autoresponder. 3. Leading brandnames in the market.A Remotely-Hosted AutoresponderA remotely hosted autoresponder means that your autoresponder will be hosted on and work from someone else's website rather than your own.These are web-based subscription services and the provider usually provides you with a HTML form and an email address (usually the provider's) for you to receive emails and to send follow-up messages.These autoresponders are usually written in Perl, PHP or ASP scripts and are installed on and run from a web server. The programs often require a database backend as well e.g., mySQL, SQL2000 or Postgres.This option is suitable for you if you do not have your own web space.This is ideal for beginners who has a fairly small subscriber list and do not require multiple autoresponders.Advantages & Disadvantages of Remotely-Hosted AutorespondersThe main advantage of this type of service is they are very easy to set up and can be fairly reliable.There are many good services to choose from, some of them have been around for a number of years.The user does not need a script, a database or a web server. In other words, the services are host-independent i.e., there is no need to seek the permission of your web host to allow you to run any particular services on your site e.g., cgi access or mySQL.Users of these autoresponders are charged a monthly subscription fee (currently around $20 each month for each account).There is usually no initial cost involved. So the initial cost of using such a service may be lower than locally-hosted ones which require the purchase of a script or program up front.But if you need to run multiple autoresponders, the cost will add up quickly and soon exceed the cost of the locally-hos Addressing Climate Change at the Clinton Global Initiative --Thinking Outside the Barrel “We face a global emergency; a deepening climate crisis that requires us to act.” -- Al Gore The Clinton Global Initiative, which took place in Manhattan on September 14 -16, 2005, served as a catalyst for spurring community-level development while providing a supportive atmosphere from which to facilitate pro-development policies at regional and national levels. During the session on Climate Change, Senator Clinton remarked that while the Federal government has avoided responsibility for climate change, state and local governments have been providing models for action. The very large disadvantage of this state and local leadership, Senator Clinton warned, “is it could lead to a patchwork of regulation, which I think would be very unfortunate and would pose extra burdens on the private sector.” In effect, she said, it is the private sector that has a big stake in pushing for a real national response – one that will actually deal with the problem, not continue to deny it or postpone it. Senator Clinton described her visit to Barrow, Alaska, where she met with a number of the scientists who have been charting climate change for 30 years. While ‘off the radar’ for many of us, the situation there is having very problematic effects for all of us. One professor studying the effects of Permafrost thawing explained that, as the Permafrost melts, it releases carbon and methane which makes our global warming worse. When Clinton asked him what an individual citizen could do to solve the problem, he responded, “plant more trees.” Trees have a sequestering ability. They absorb the excess carbon dioxide in that atmosphere and in return give back clean oxygen. That's something every one of us can do, she added, alone, with family, group, neighborhoods, and communities. And the other is: each of us can make decisions that insure we are as energy efficient as we can be in our homes and in our places of business and try to make better choices about transportation. While these individual choices might seem very small in and of themselves, she told us, in the aggregate, they can also influence policy. Tom Roper, retired Victorian Parliament and current Project Director of the Global Sustainable Energy Islands Initiative (GSEII), represents a group that must rely on the International community. While the small island developing states (SIDS) are collectively the least responsible for greenhouse gas emissions through fossil fuel use and deforestation, Honorable Roper explained, they are most impacted by climate change. In addition, island states contain a disproportionately high amount of below poverty level income citizens. “Most SIDS are ill-equipped to deal with their existing environmental problems,” said Roper, let alone the predictions of rising sea levels. The 43 members of the Alliance of Small Island States represent 50 million citizens. No where are people more at the mercy of international inaction. Roper is supervising projects on the small islands to serve as a role model of sustainability which incorporates energy efficiency and renewable energy. “They are tackling their own economic and social issues as well as environmental,” Roper said. “These nations are not just complaining; they are taking action,” he added. Pennsylvania and Perhaps Louisiana . . . Kathleen McGinty, Secretary of the Pennsylvania Department of Environmental Protection and former principal environmental advisor to President Clinton, offered a project to reduce greenhouse gases in Pennsylvania. The project is committed to providing the resources to enable a clean energy future in Pennsylvania through up to $1 billion in tax-free bond financing to build renewable and efficient power plants and fuel production facilities. Governor Rendell’s administration has committed itself to: adopting greenhouse gas tailpipe standards, replacing dirty, inefficient power plants, and securing passage of one of the most far-reaching clean energy laws in the nation. On a final note: at the Clinton Global Initiative, many found one recommendation most compelling – rebuilding New Orleans as a model of energy efficiency. The city of New Orleans, like older cities, was not built to withstand the effects of a level 5 hurricane. It flourished during a time when the effects of global warming were not yet known. Global warming, however, has been increasingly creating erratic weather patterns with more frequent, extremely severe storms. What better way to target climate change and create hope than by turning New Orleans into a model city for a new, more intelligent tomorrow. As one Climate Change session participant put it, “we’ve got to think outside the barrel.”
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