Work At Home Bible

With everything that’s happening in Washington I can’t help but feel that members of the Senate seem to feel they have to justify their existence by long speeches how something won’t work unless they are the source.If you pay even partial attention to the news, by now you’ve probably seen the issue of term limits for U.S. Congressmen come up from time to time. The most common argument you’ll hear in favor of term limits is to prevent people from becoming "career politicians". Supporter of congressional term limits, however, are not always clear on what exactly is wrong with career politicians—perhaps they assume it is so obvious, no further explanation is needed. But just in case you are one of those who has pondered that question, this article will give you three reasons why professional politicians can subvert the democratic system, and why Congressional term limits should be added to the U.S. Constitution.

1. Professional politicians become out of touch with everyday Americans.

The founding fathers designed a government "of the people, by the people, for the people". They envisioned lawyers, businessmen, and farmers taking a few years off from their careers to contribute to running the country as part of their civic duties. As there were no limits on how many times one could be reelected, however, from the very beginning of our nation we have people who have been reelected to office again and again for decades—professional politicians.

Spending a great deal of time in Washington, steeped in national politics, and living on a comfortable government salary, such politicians may gradually become disconnected from the lives, challenges, and dreams of the average, everyday people they represent. Instead of being "of the people, by the people", they become a separate class above the people, and may lose touch with what exactly it is that common people want and need.

2. Incumbent politicians have an unfair advantage in elections.

Statistically and historically speaking, incumbent politicians campaigning for reelection frequently win over first-time campaigners trying to break into politics. The most common explanation given is that voters are simply more comfortable with someone who has governmental experience and already knows the job. There is more to the story than that, however.

Incumbent politicians have access to governmental resources and contacts that first-time campaigners do not. In recent years, campaign laws have been passed trying to curb this—for example, preventing a politician from using taxpayer money to finance their reelection campaign. There are some advantages, however, that we cannot be controlled with new laws—media coverage, campaign contributions, endorsements… the list goes on. For all these reasons, it is very hard for an everyday American to challenge and defeat an incumbent politician in an election.

3. Professional politicians increase the power of lobbyists.

It is no secret that lobbyists forge relationships and curry favor with politicians. They can sometimes spend years trying to win over a politician. Once they have established a good relationship with that politician, however, lobbyists have political influence through them as long as they remain in office, which in the case of some career politicians, could be decades.

If Congressional term limits were established, then lobbyists would have to forge new relationships with new politicians every few years. The newly elected politician may not be favorable disposed toward that lobbyists, or the lobbyists may spend years building a relationship with that politician, and just be getting to the point where they can start calling in favors when the politician must leave office because their terms have run out. Term limits alone will not break the power of lobbyists—but it may weaken it.

By Bate Dulin.

Authors update 1/25/10

It’s been a busy but disturbing year in Congress, busy yet highly unproductive. Many of us watched on c-span as the senate gave us day after day, week after week, month after month of oratory, partisianship, name-calling and very very little else. This is a system that has grown so enamored with taking credit that its become a mockery of what it was envisioned. Serving in the senate was supposed to be a service to the Country And Your State, in that order. Instead we get career politicians whose only function, that I see, Is to get reelected. What would John Adams think of a supermajority and it’s need to pass any meaningful legislation? With the new ruling coming down last week from the Supreme Court what are the chances for campaign finance reform, or for that matter any legislation that curtails the glut and greed in Washington. I personally am not surprised, just a little sickened.-Bate

Saturday 2/21/09 I recieved in my mail a notice from my credit card company which informed me that they would be making changes in my terms. The changes were to my Purchase and Balance Transfer Rate and my Cash Advance Rate.

My new rate for Purchase and Balance Transfer would be 17.9% (0.04904% daily periodic rate).
My old rate for Purchase and Balance Transfer was 13.24% (0.03627% daily periodic rate), if my math is correct that’s a increase of 4.66%

My new rate for Cash Advance would be 24.9% (0.06822% daily periodic rate), while my old rate was 15.65% (0.04288% daily periodic rate) the increase on this would be 9.25%. Of course on page 4 of the booklet they gave me the option of declining these terms and closing my account. This must be done by phone by 4/17/09 before 8:00 E.T.

My question is this: How is this suppose to help me personally as a consumer, knowing full well many people cannot afford to simply close a credit card account. I guess Capital One will not be in my wallet.

I work from home and spend probably 20 hrs. or more online. Being the curious type I developed a bad habit of clicking on anything that looked remotely interesting. This is very bad as I came to find out. Imagine my surprise when I checked my email and found an avalanche of new mail. Some of the mail sounded very enterprising so guess what, I opened several. Boom! the cycle began

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Grant you I was new to the Internet and friends had warned me to be careful, but what the heck I wasn’t going to buy anything so what the worst that could happen? I know what you’re thinking, Idiot, Moron. Hey this was 2006 and I had just purchased my first computer, after all not everybody was born in the computer age. About then it dawned on me I had the greatest research tool ever invented right at my fingertips, why not use it

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So I did and found that there are articles on how to avoid scams. Many watchdog sites are dedicated to helping people just like me, and since many government sites have went online you can report fraudulent claims right on line. Here are two sites you can use

http://www.consumerfraudreporting.org.php/ and http://www.onguardonline.gov/ not to mention the usuall Better Business Bureau and the Federal Trade Commission and the FBI local office. You’re already online why not use it?
I sincerely hope this helps some newcomer like myself.

There are some companies that claim great success, sometimes it looks too good to be true, most of the time it is. There hasn’t been a substitute for actual office work or those who locked into a company before us would have left a long time ago. There are a certain set of skills required that can help you work from home and if you possess a few of them you can join the ranks of those who draw a paycheck without ever leaving their house.

One of the best ways to find out about working from home is to talk with people who have done it and succeeded. Paid performances or compensated employees will say anything for money; you want to get an opinion from an unbiased approach. It might be hard to weed out and find the person who will be honest with you but when you do find somebody that has the character of honesty listen with intent.

Working from home isn’t the same as working in an office; you are the boss, employee, and if you don’t schedule your time accordingly, you have nobody to blame except yourself. There are online jobs and if you are unfamiliar with data entry or freelance writing then staying home might not be the best choice. It does take a fair amount of patience and time to enter information or do research to fully understand the commitment of working from home.

There are companies that will scam you; if you have to pay to work for them then it’s a scam. If you have to invest in their product, it’s a scam. Often time’s people don’t realize that they are being scammed until it too late. Know the warning signs before you opt for the attire of a house robe instead of business casual. Finding out which companies have a good reputation helps if you visit the BBB website, Better Business Bureau, there will be a listing of companies that have complaints or have been sanctioned not to do business in the state in which you reside. It doesn’t take all the guess work out but it’s a good indicator whom you can trust.

The reasons people decide to work from home are plentiful. Maybe a spouse has decided not to return to the workforce or a person finds that the commute is just too far and not worth the time and effort. Working from home does give you a freedom that most people long for but if you are not scheduled or committed to developing a process that helps you succeed, it will never work. Finding the right job such as freelance writing or data entry can move you one step closer to living the dream of being your own boss and spending quality time with your family.

If you are in a situation where you are suddenly concerned with being without insurance, you will find that you are not alone.  The truth is that there are more than 40 million Americans out there without health insurance, but you do not have to be without it yourself.  Take some time to think about what your options are and what you can do to get the insurance that you need.  Whether you are newly self-employed, work from home or retired, there are options for you.

The first thing that you need to be aware of is the fact that you can purchase health insurance for yourself; it does not need to necessarily come from a company, although a company will be able to get it for you much more cheaply than you would be able to pick it up on your own.  Similarly, though, if you are contemplating leaving your company for self-employment, be aware of the Consolidated Omnibus Budget Reconciliation Act, also known as COBRA, which forces any company with more than 20 employees to offer you insurance for a term of up to 18 months after your departure, though this will be at a heightened rate.  Though this is more expensive than what you were paying before, it will still be less pricey than getting it on your own.

When you are searching for health insurance, make sure that you understand the issues of short term versus long term insurance.  A short term policy is ideally only meant to cover you for a series of weeks or months; it is an interim solution.  Unless you know when you are going to be getting insurance from a company again, you will find that it is in your best interests to get long term insurance coverage.

The thing to remember about health insurance is that it will almost never be cheap if you are not getting it from an employer and that the rates will go up, significantly up, when a pre-existing condition comes into play.  With a pre-existing condition, there is now more of a chance that there is coverage out there, but be prepared to search and to make sure that you are going to be able to pay the rates that they will demand.

When you are searching for insurance that will cover you, always beware of scams and frauds.  Look into personal testimonials, and always figure out what kind of reputation the company has online.  A few complaints are normal, but too many and you will want a new carrier.

Remember that health insurance is something that can make a lot of things much easier down the line.  It is available, though if you work from home or are retired you may find that a more thorough search is necessary.  Take some time and really review your situation.  There are options out there, and all you have to do is find them.

I work at home  so I spend a fair amount of time on my computer. It’s been pretty hard going online without seeing all the hoopla  about President Obama’s vast outpouring of support.

I couldn’t help but remember my sister hitchhiking from Cleveland to Washington to Protest Nixon’s inauguration. It’s nice to  see such  a Huge turnout to support instead protest. Seems to me its a step in the right direction. Written by Reggie Osborne. 

         Please let me know what you think here:www.RAOfixit.com/       P.S. My sister was picked up by a State Rep.      PP.S The Rep. gave them a place to stay & they all attended the Inaugural Ball! How’s that for protesting?                                    

Temperatures are falling all across the U.S. and many people don’t realize  how easy ( in many cases ) it is to keep your pipes from freezing. Here are 5 easy tips:

1. REALIZE THE THREAT. Just because your house is new or in good shape dosen’t mean your pipes won’t freeze.

2. DO A WALK-AROUND. Inspect the foundation, underpinning, or crawlspace for holes, missing bricks, unsecured panels or anywhere air can get in.

3. PROTECT YOUR SOURCE. Locate where your water enters your home. Make sure its protected from both air and ambient temperature. Kits are available for this but any insulation ie. foam rubber, discarded insulation, rags , towels, even pine needles will do.

4. WHEN NEEDED ADD A HEAT SOURCE. Again kits are available but often a simple lightbulb will work.

5. WHEN IN DOUBT RUN A LITTLE WATER. In extreme conditions opening your faucets SLIGHTLY ( a small stream about the size of matchstick or toothpick ) will usually prevent freezing. Rember a slightly higher water bill is much cheaper than a plumber or a handyman.