Call me na?ve, but I still like to think that each person's vote really matters. So before you get tempted to "take the easy way out" and simply copy your spouse/best friend/newspaper/pastor's voting plans, here is a 5-step guide to analyzing the issues and making voting decisions that reflect your own core values.

1. Know Yourself . What is important to you? What are the values that you feel our laws and taxes should reflect? You may care deeply about the environment, education, small business, immigration, taxes, religious issues, or numerous other causes. Vote accordingly.
2. Understand the Initiative. Spend some time at home with your voter information booklet. Read the initiative -- including the fine print. Re-read it if necessary. What is meant to happen if this initiative passes? What are the arguments for and against it? What are some of the unintended consequences that are likely to happen as a result of this measure?
3. Think About the Impact. How will this measure impact the economy, environment, education, transportation, health care, social mores, and your ability to make a living? How will it af
   Is the Global Warming Conclusion Correct?
   Perhaps you have heard all the debates over Global Warming and well so have we at the World Think Tank so we watched the movie by Al Gore; Inconvenient Truth and we read Michael Creighton's new book and 44 research papers. We dug through the information and a couple of our members indeed are in full support of the Global Warming Alarmist's views. One member in full battle gear told the Global Alarmists;"Your conclusion is incor
   na?ve, but I still like to think that each person's vote really matters. So before you get tempted to "take the easy way out" and simply copy your spouse/best friend/newspaper/pastor's voting plans, here is a 5-step guide to analyzing the issues and making voting decisions that reflect your own core values.
   1. Know Yourself . What is important to you? What are the values that you feel our laws and taxes should reflect? You may care deeply about the environment, education, small business, immigration, taxes, religious issues, or numerous other causes. Vote accordingly.
   2. Understand the Initiative. Spend some time at home with your voter information booklet. Read the initiative -- including the fine print. Re-read it if necessary. What is meant to happen if this initiative passes? What are the arguments for and against it? What are some of the unintended consequences that are likely to happen as a result of this measure?
   3. Think About the Impact. How will this measure impact the economy, environment, education, transportation, health care, social mores, and your ability to make a living? How will it a
      How Do I Know I am Not Buying in a Housing Bubble?
      The most noticeable indicator is an increasing gap between the seller’s asking price and buyers offer price. This difference usually indicates a slowing housing boom. During an active boom, the gap is very small, or even non-existing. Further signs of a troubling housing market would be a downward change in the asking price over a longer period of time. This clearly indicates an overall decline in the buyer’s confidence. This can easi
      > core values.
      1. Know Yourself . What is important to you? What are the values that you feel our laws and taxes should reflect? You may care deeply about the environment, education, small business, immigration, taxes, religious issues, or numerous other causes. Vote accordingly.
      2. Understand the Initiative. Spend some time at home with your voter information booklet. Read the initiative -- including the fine print. Re-read it if necessary. What is meant to happen if this initiative passes? What are the arguments for and against it? What are some of the unintended consequences that are likely to happen as a result of this measure?
      3. Think About the Impact. How will this measure impact the economy, environment, education, transportation, health care, social mores, and your ability to make a living? How will it a
         A Heavenly Wedding - Courtesy Wedding Loans
         You always dreamt of walking down the aisle in style. Marriage for you meant including all pomp and show. Marriage, like for many others, is a time to show off your standing in the society. The personal resources being deficient to meet the requirements of the wedding, you are even ready to take high interest debts.But, have you ever thought about the life after the marriage? Is your marriage to stand on the pillars of debts fr
         ordingly.
      4. Understand the Initiative. Spend some time at home with your voter information booklet. Read the initiative -- including the fine print. Re-read it if necessary. What is meant to happen if this initiative passes? What are the arguments for and against it? What are some of the unintended consequences that are likely to happen as a result of this measure?
      5. Think About the Impact. How will this measure impact the economy, environment, education, transportation, health care, social mores, and your ability to make a living? How will it a
         Reasons to Refinance Your Home
         Many people will take whatever mortgage they can get when trying to purchase a home. Sooner or later, you will start wondering if you can get a better deal. Welcome to the world of refinance.Reasons to Refinance Your HomeTraditional mortgages are like any other loan in one important respect. You can pay them off early, although mortgages will sometimes have prepayment penalties for the first few years of the loan. In the
         some of the unintended consequences that are likely to happen as a result of this measure?
      6. Think About the Impact. How will this measure impact the economy, environment, education, transportation, health care, social mores, and your ability to make a living? How will it affect the rich, the poor, the middle class, and any other group or cause that is important to you? Regardless of the voting recommendations of the political party with which you have registered, does this new law or tax reflect your personal values?
      7. Look Closely at Bond Measures and Taxes. Bond measures and tax changes all tend to be laced with emotion. Proponents often act as though the world as we know it will come to an end if this project isn't funded through this bond or tax. However, there is no such thing as a "free lunch," and the money to pay for these initiatives all comes out of someone's pocket -- possibly yours. Ask yourself:
      • Is it fair? Does it provide services that are useful to the general public, or are all of the benefits going to be enjoyed by a select few? Does it pay for services that are truly needed and cannot be funded in a more efficient/fair/effective manner? Does it distribute the burden equitably?
      • Is it understandable? Can the average person understand that this tax exists, and understand what the money is paying for -- or is it disguised as an obscure fee or assessment?
      • Is it c