Wednesday, October 10, 2007

Shocking Columbus Day Discoveries

Author: Mary Fagan

One month ago, Columbus Day 2006 hit Western New York hard with a historic storm, the likes of which hadn't been seen in 100 years. Trees, still in full leaf, caught the heavy falling snow, and by morning, they were bent, broken and had downed utility lines affecting more than 380,000 homes. The power was out for days and people had to live as in days gone by. During that time, my family made some shocking discoveries.



1. We need food, clothing and shelter, but we really like heat and running water. Gathered around the wood burning stove (thank God I let my husband play Paul Bunyun in our wooded lot), the family played games and wishfully waited for the power to come on. It was a long wait - five days to be exact.



2. There is a reason for some rhymes, especially, "If it's yellow, let it mellow. If it's brown, flush it down." Being on well water, the pump needs juice and no running water was a bit hard to stomach for us 21st Century dwellers. I found out that urine is sterile and has even been used to clean wounds when water is not available. (Gives new meaning to flushing a wound.) None the less, the sound of a working toilet is now music to our ears.



3. We like each other. Who knew? There were board games by candlelight, storytelling, preparing meals, and talking to each other - a real novelty. Nobody blew a fuse, I heard less negativity and this imposed family time made better connections all around.



4. We need each other. We ditched the TV show "Survivor" mentality where it's every man for himself. Survival mode brought out the best in us. Camp cooking on the grill was no vacation but we were lucky to have that. The stockpile of food I keep in the basement "fallout shelter" that I get teased about served duel purposes: to feed us and as a convenient reminder that once again, I was right. After four days, our relatives finally got power so we could go and clean up. That is why we are always nice to relatives - we need them!



5. There is life without the Internet! There was no My Space we had our space, and it was pretty cozy with seven of us around the wood burning stove. I have to admit the adults found no Internet as difficult as the kids. But, they couldn't Google anything we said for to check for accuracy which had its advantages. (See number 6 below.)



6. We don't like whine. A mini battery operated radio was our only link to the rest of the world. Most folks were great and recognized that the government cannot outlaw accidents, acts of nature, time passage, aging and gravity, but... I told my kids about results of a study that I had read just before the power went out that showed in 99% of cases of whine, sitting on the butt increased hindsight, drastically.



One day the kids will reminisce about this historic October storm and say, "Remember the time we melted snow to flush toilets?" and "How about when Mom ran out of chocolate and melted baking chocolate on the woodstove?" or "I went five days without a shower" and the rest of us will answer, "We REMEMBER!" While we're not exactly looking to repeat it, the family got a charge out of being powerless.



The electricity can stay on - please - but let the power of our Columbus Day discoveries keep on going... and going... And make sure to stock up on plenty of C and D batteries.


Article Source: http://www.articlesbase.com/art-and-entertainment-articles/shocking-columbus-day-discoveries-74203.html


About the Author:

Mary Fagan has an M.S. in Education and is the mother of three children with the gray hairs to prove it. When not stocking up on food and batteries, she offers lighthearted humor at http://motherwise.us.




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Negociación de Deudas para Eliminar Deudas de Tarjetas de Crédito

De: Scott Wallitsch


Una de las soluciones más efectivas, pero aun poco conocidas para eliminar las deudas no deseadas de tarjetas de crédito, es conocida como Negociación de Deudas. Muchas veces esta es confundida con la consolidación de deudas. La negociación de deudas puede resultar en la disminución de la tasa de interés, la eliminación de recargos, y la liquidación de una deuda con un ahorro del 40% hasta el 70% del balance actual.



La negociación de deudas es un concepto que se ha utilizado durante las últimas décadas, pero se volvió muy popular durante los años 90 en los EE.UU., debido a reformas en las leyes que rigen a las empresas de tarjetas de crédito. Con la alza de las tasas de interés y de los recargos por sobregiro, cuentas en mora, etc., numerosos consumidores se encontraron en problemas económicos. La negociación de deudas surgió de la creciente necesidad de confrontar el aumento en las tasas de interés y las declaraciones de bancarrota. La teoría detrás de la negociación de deudas es que las empresas crediticias prefieren evitar que un cliente se declare en bancarrota. Así, ellos reciben un porcentaje de la deuda de inmediato en vez de posibles pagos durante un periodo de 3-5 años, o en varios casos nada de lo que se le debe. En este sentido, la negociación de deudas le conviene tanto al deudor, quien ahorra un porcentaje de su deuda mientras evita tener que declararse en bancarrota, que al acreedor, quien evita un procedimiento legal e inseguro, y a su vez garantiza recuperar un porcentaje de la deuda total. Además, el acreedor puede descontar cualquier dinero no recuperado de su declaración de renta, así que en realidad no pierde nada.



En teoría, cualquiera puede negociar sus deudas con los acreedores, pero en realidad el proceso es difícil y confuso. Muchos acreedores en principio no están dispuestos a negociar y pueden recurrir a una cantidad de tácticas muy eficaces para confundir al deudor y así recuperar la deuda. Por eso, hay empresas que se especializan en la negociación de deudas. Ellas se encargan del proceso completo de negociación y en general dan resultados muy superiores a los obtenidos individualmente por los deudores.



En conclusión, si Ud. se encuentra en problemas financieros debido a sus deudas de tarjetas de crédito, le recomiendo indagar profundamente la negociación de su deuda con un profesional capacitado. Podría ahorrarse mucho estrés, problemas, y miles de dólares en deudas.



Origen: Artículos gratuitos de ArticuloZ.com



Acerca del autor:

Scott Wallitsch es asesor financiero de la empresa DebtorSolution. Para mayor información para eliminar deudas de tarjetas de crédito, visite nuestra pagina de web DebtorSolution o escríbanos por correo Info@DebtorSolution.com.




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Tuesday, October 09, 2007

El dinero tiene precio


(Texto original: 20minutos).

El BCE ha subido el tipo de interés oficial en la zona euro al 3,50%, pero el precio del dinero de las hipotecas o de otros préstamos es más caro. El banco nos da un toque por el endeudamiento.


Hay cosas que no tienen precio, como este periódico, pero el dinero no es una de ellas. El jueves pasado, en pleno acueducto de la Inmaculada Constitución, cuando el Banco Central Europeo (BCE) decidió subir el tipo de interés oficial del dinero en la zona euro del 3,25% al 3,50% no hizo otra cosa que aumentar su precio. Se trata de un índice que utiliza la banca europea en sus actividades financieras y que se aplica como referencia en los préstamos que estas entidades se hacen entre ellas. Pero ése es sólo uno de los precios que puede tener el dinero.


De las hpotecas, al crédito fácil


Cualquiera que tenga una hipoteca lo sabe muy bien, especialmente si la ha contratado al «euríbor más algo» y es a tipo variable. En cada revisión del crédito, nuestro banco o caja cambia (o sea, sube) el precio del dinero que nos prestaron para comprarnos la casa. Ese precio es ahora un 45% más caro que hace un año en el caso de los bancos y un 38% más en el de las cajas. Lo dicen los últimos datos del Banco de España. El tipo medio de la hipoteca bancaria ha pasado del 3,14% al 4,55% en los últimos doce meses. En las segundas, del 3,39% al 4,68%. Y lo más probable es que siga creciendo si, como parece, el BCE sigue aumentando el precio oficial del dinero: el próximo año sus tipos podrían llegar al 4%. Justo el límite a partir del cual los expertos pronostican que muchas familias tendrán dificultades para devolver los préstamos.


Por lo que respecta a otro tipo de créditos, el dinero de los llamados préstamos al consumo tiene otro precio mucho más elevado:
el tipo medio en los bancos está en el 9,29% y en las cajas, en el 9,76%. No es ninguna broma porque no podemos olvidar que son precisamente este tipo de créditos los que más se han incrementado en los últimos años y tienen el índice más elevado de morosidad, con el inconveniente de que no están soportados por un bien como la vivienda, lo que supone una cierta garantía frente a eventuales apuros financieros de las familias.


Al margen de los precios «regulados», hay otros ‘precios’ posibles. Como los que aplican las cada vez más numerosas compañías que conceden ‘créditos rápidos’, sin apenas garantías ni avales por parte del cliente, pero con unos tipos de interés que en algunas ocasiones pueden llegar a rozar la usura.


O los que cobran los intermediarios financieros especializados en la reagrupacion de prestamos. Se trata de actividades que escapan a la supervisión del Banco de España y que deberían estar sometidas a su control para garantizar los derechos de los consumidores, como reclama la Asociación Hipotecaria Española (AHE)  –que agrupa bancos, cajas y establecimientos financieros de crédito– y la Asociación Nacional de Establecimientos de Financieros de Crédito (Asnef). Este control garantizaría una transparencia de las condiciones que pactan con sus clientes, así como las comisiones que cobra. O como mínimo, permitiría castigar al que actúe de forma irregular. Además, nos podríamos evitar sorpresas desagradables tipo Forum Filatélico o Afinsa.


Al bce también le preocupa El endeudamiento familiar El Banco Central Europeo, además de decidir subidas de tipos de interés como la del jueves, también ejerce de guardián de la buena salud económica de la zona euro. Por eso, en la presentación de su informe de diciembre, alertó ayer de que el endeudamiento de las familias en los países del euro «ha llegado a niveles sin precedentes». Aunque no cita ejemplos concretos, está claro que somos de los que más motivos tenemos para preocuparnos. Sólo hay que fijarse en al aviso que lanza el banco: «La vulnerabilidad de los hogares será mayor en los países en los que los precios de la vivienda han subido por encima de su valor intrínseco, donde el endeudamiento es alto y donde las hipotecas se fijan a tipos variables», que en España son el 97%.

Tuesday, October 02, 2007

"PRIDE & PREJUDICE" A Novel, Wearing Fetters of Limitations

Jane Austen occupies an ambivalent position in literary history. She is too little a writer of the nineteenth century to be called ‘ Romantic’, too much a person of her time to be called classical. Her contemporaries like Wordsworth and Charlotte Bronte found in her works a want of feeling, passion and imagination. Edward Fitzgerald complains that:


“She never goes out of the Parlour”


The twentieth century however, has seen Jane Austen elevated by critics of diverse hues, to being one of the best female novelists and of the six novels she wrote, all are deemed classics, with at least three of them being counted among the best in English fiction. Among all the novels of Jane Austen “PRIDE & PREJUDICE” & is the greatest work. It shows her greatness, limitations and aesthetical view on different colours and aspects of human life. The novel takes readers to an abstract idea, the idea of pride in one character and that of prejudice in another. So the novel is primarily concerned with ideas. The characters of novel show different kinds of humour, various traits of human behaviour.Mr.Bennet’s a cynic; Lydia a flirt, Mary a pedant, Darcy a character, swollen with pride, Collins a potential conceit, Sir William Lucas a feeble dullard and so on. “PRIDE & PREJUDICE” is the love story of a man and a woman and the man being held back by unconquerable pride and the woman blinded by prejudice. Moreover, it’s a satire upon life in a small village called Longbourn in
the southern England. So, the novel’s important in more than one-way. It’s important both historically and critically. Historically, it introduced a new kind of fiction. Eighteenth century was an age of picturesque romances with splendid places, high towers, and underground passages. It was an age of the stories of terror, horror and mystery. As opposed to such romances, sentimental novels full of tears and sorrow were written. Austen’s “PRIDE & PREJUDICE” struck a middle path between the two. This novel was written after “SENSE AND SENSIBILITY” and “NORTHANGER ABBEY”. This is therefore symmetry, a well-knit form and a unified structure. It may be said to be the first English novel in the real sense of the term. Jane follows none of the traditions of her predecessors. She rightly started her own tradition of fiction, which was followed by other succeeding novelists of England. The very first chapter of the novel contains a note of orchestration. Diverse elements have been subordinated to a well-defined pattern. The chapter opens with the statement:


“It’s a truth universally acknowledged,

That a single man in possession of a

Good fortune must be in want of wife “


And then follows the talk between Mr. and Mrs.Bennet. The sole concern of Mrs.


Bennet in her life is to get her daughters married. The entire novel’s based on the domestic theme. A reader trying to approach for action, quick movement, drama or crises, would be disappointed. The characters seem to take the philosopher’s walk. “Action trivial; movement limited” that’s all we find in the novel.


Hence the characters look devitalized and anaemic, at times devoid of flesh and blood. There’s no firework or dynamics in the story. Jane is a spectator of characters. She puts men and women in a certain environment and continues to study them in detail. She gives alternative readings of her characters, compares them and ultimately finds out the correct method of approach to human personality. This method has been followed in this novel. There’s plenty of contemporary element in the novel. Description of dances, balls and parties is scattered throughout the story. The key point in the book is the study of human behaviour. Jane’s almost like Shakespeare in this respect. There’s evident exclusion of death, coincidence or destiny. None of the characters dies in the course of the story. Elizabeth, Lydia, Jane, Mary, and Catherine all the Bennet sisters are preoccupied with their own personal, domestic problems. None of them is touched by physical agony or ailment.


Similar is the case with Darcy, Bingley, Collins or sir William Lucas. Besides, there’s complete absence of mob, or menace of organized society. It’s a placid atmosphere of quiet country houses and drawing rooms that we find in the novel from the beginning to the end. Longbourn, Hansford or Pemberley has no hurry or busy excitement about it.
“PRIDE & PREJUDICE” was first written in 1797 under the title “First Impressions”. It was later revised and published under the title in 1823. In the novel, first impressions do play an important part, Elizabeth, the protagonist, is misled in her judgment and estimate of both Darcy and Wickham. Her regard and sympathy for the latter and her hostility and prejudice against Darcy are due to first impressions. But when we study the novel deeply and seriously, we can easily see that the title is more apt and more befitting to it. The novel is more about the ‘Pride’ of Darcy and the ‘Prejudice’ of Elizabeth and the change of attitude in Darcy and Elizabeth’s correction of her first impressions.


As far as theme is concerned, Austen’s focal point is marriage and courtship. Marriage was an important social concern in Austen’s time and she was fully aware of the disadvantages of remaining single. In a letter to fanny knight she wrote:


“Single women have a dreadful propensity


For being poor which is one very strong

Argument in favour of matrimony”


Charlotte lucas , an important character of this novel, gives reasons for accepting Mr. Collins, says to Elizabeth:


I am not romantic you know. I never was,

I ask only a comfortable home, and considering

Mr. Collins’ character, connections and situation


In life, I am convinced that my chance of happiness

With him is as fair, as most people can boast on

Entering the marriage state.”


This statement reflects charlotte’s helplessness, owing to her economic inequality, she was compelled to accept undesirable suitor like Collins, through this we can peep into the social life of that age in England, showing miserable plight of female in male dominated society. Marriage was the only provision for well-educated young women of small fortune. The only option for unmarried woman in Austen’s time was to care for someone else’s children as Jane Austen herself did, as there were no outlets for women in industry, commerce, business or education. The novel comprises of seven marriages, all of them intended to reveal the requirements of a ‘good’ and ‘bad’ marriage. Three couples that of Mr. and Mrs. Bennet, charlotte and Collins, Lydia and Wickham reveal the bad marriages and the importance of good judgment and proper feeling in determining a couple’s future happiness. Mutual respect, the basis of a sound marriage is lacking in the Bennet’s marriage. Prudence alone should not dictate, as it does in charlotte’s case, nor should it be disregarded, which is what Lydia does. Esteem, good sense and mutual affections are the right ingredients for a successful marriage as the Darcy Elizabeth marriage indicates. Austen firmly believed that to form a right judgment, one must have a right principles and perception of the nature of other people. One must be able to see through affectation, deception and hypocrisy; one must not be a victim of flattery, must not be carried away by the opinions of other people. Austen’s fiction is steeped in irony both in language and situation. As Prof.Chevalier remarks that:


“The basic feature of every irony is


A contrast between a reality and


An appearance”


Here, in this novel we recurrently find irony of situation, which provides a twist to the story. Darcy remarks about Elizabeth that:


“She is not handsome enough to tempt me"


We relish the ironic flavour of this statement much later when we reflect, that the woman who was not handsome enough to dance with was really good enough to marry. Regarding this novel, irony of character is even more prominent than irony of situation. It’s ironical that Elizabeth who prides herself on her perception is quite blinded by her own prejudices and errs badly in judging intricate characters. Wickham appears suave and charming but is ironically an unprincipled rogue. Darcy appears proud and haughty but ironically proves to be a true gentleman. The Bingley sisters hate the bennets for their vulgarity but are themselves vulgar in their behaviour. Darcy too is critical of the ill-bred Bennet family but ironically his aunt lady Catherine is equally vulgar and ill bred. Thus the novel abounds in irony of situations.


Austen was a moralist, an eighteenth century moralist; in some respects she was the last and finest flower of that century. She was born a few years later than Wordsworth, Coleridge and Scott. When she died, Byron was famous and Shelley and Keats had already published. She belongs to the period known as the Romantic revival or revival of imagination, yet these titles do not suit her the least. Her novels belong essentially to the age of Johnson and Cowper. She is indeed a classic novelist. There’s no unrestrained emotion or excess of passion as in the romanticists. All these are disciplined by reason and intellect. This elegance is as much seen in her dialogues as in the structure. But there’s hardly any description of nature in, Jane Austen unlike in Wordsworth and Coleridge who deified nature. Jane Austen’s novels are also marked by a total concern with upper middle class, which may be attributed to the fact that this was the class she knew intimately. A reading of Austen’s novels shows that her materials are extremely limited in themselves. Her subject matter is limited to the manners of a small section of country gentry, who apparently never have been worried about death or sex, hunger or war, guilt or God.
However the exclusion and limitations are deliberate. Austen herself referred to her work as “Two inches of ivory” this novel like other Austen’s novels has a narrow physical setting. The story revolves around Netherfield Park, Longbourn, Hansford Parsonage, Meryton and Pemberley. There’s no reference to nature itself. It’s one of the ironies of English literary history that at a time when the English romantic writers Wordsworth, Coleridge, Byron, Shelley, Keats and others were discovering external nature, austen manages to keep her characters imprisoned indoors. Since her settings are the drawings rooms, ballrooms, parks and gardens of a civilized leisure class, she was unlikely to introduce lunatics, villains or ghostly figures. The greatest villainy that disrupts the evenness of a Jane Austen novel is an elopement of Wickham with Lydia. Austen’s theme was also limited to love and marriage. In all of six novels, there are beautiful girls waiting for really eligible bachelors to get married to. It was the period of the American war of independence, of the French revolution and of the Napoleonic wars. But Jane Austen’s characters are blissfully unaware of these tumultuous events.


In brief, we can say that within her limited range Jane Austen’s art is perfect. She handles, characters and events, dialogue and plot with an exquisite and masterly touch, fusing all the elements of novel into one, weaving and interweaving them so fine, that no strand can be separated. On her “Two inches of ivory” Jane carves with a miniature delicacy to present a polished and refined work of art.


Written by:
EMMA ALAM.


Article Source: http://EzineArticles.com/?expert=Emma_Alam
http://EzineArticles.com/?PRIDE-and-PREJUDICE--A-Novel,-Wearing-Fetters-of-Limitations&id=178105