Debt Elimination Companies

I have been with this debt remedy solution co for 2 months how long does it take for the creditors to stop cal

please help me with this debt settlement option? Im 21 have high credit card debt, am and can make my payments on time... but my balance isnt going down, i live pay check to pay check- iterest is high, my anxiety and depression is also at an all time high. i feel sufficated. What have you heard about debt Remedy solutions? (when they assume the debt from your bank making a settlement with them to help you get affordable payments..) what happens to my credit if I settle with the bank? Would there be a benefit to doing it now rather then waiting or just paying my monthly payments? what are the chances of ever being accepted for a loan in the future? Please Please Please HELP!! i will appreciate any advice more then you know

bankrubtcy or debt settlment ? I got hit by serious of unfortunate circumstances...the remedy looks so painfull and unpleasant. Lost my job, after few months of job search and many rejections...decided to try stock trading ...and make money. Did not know it is a HELL on earth...it is a live tourture...scarey-roller-coaster with the Devil having the remote-control. Both my money and myself burnd alive by the CRUEL market.... 50% of the money ($100k) burned in the stock market was maxed from credit cards. Since I do not have a job (do not know if i could get one at all) there is no way I could re-pay it. I used to believe that buncruptcy is an econmical-death-sentence....but this time arround, found myself against the wall...do not know if I have any other options. Is bankruptcy or debt-settlement the best option to resolve credit card debt stresss Or are there any alternative solutions?

How about this article??? It's kind of long,but really good!!? Unfortunately, if you dare to argue any of the many valid reasons against illegal immigration and amnesty, you will be called names and faced with a myriad of nonsensical excuses (from the pro-illegal alien crowd and their lobbyists): Tradition: MYTH: As George Bush said: "We are a land of immigrants". We can not pull up the drawbridge now, unless we dismantle the Statue of Liberty. Otherwise, we are all hypocrites. TRUTH: This is a common ploy. Yes, we are a land of immigrants. Mostly legal. We are enriched by legal immigration; not by massive, uncontrolled, illegal immigration. Economics: MYTH: The U.S. will crumble without illegal aliens. We need immigrants to pay the Social Security of the Baby Boomers when they begin to retire. Immigrants do jobs citizens won’t do. Who would pick our produce? Who would make the beds and wash the dishes? TRUTH: This is a common myth, since illegal aliens are costing U.S. tax payers a net loss of at least $70 billion per year. $70 billion will pick a lot of vegetables and fruit, eh? Humanitarianism: MYTH: You are selfish to put the needs of poor citizens ahead of more desperate people in other nations, by denying them entry into our country. The U.S. is obligated to share with others. Large-scale immigration is a significant way for the U.S. to help the impoverished people of the world. TRUTH: It is also selfish to forget to show compassion for your fellow citizens that go without because illegal aliens have stolen from and burdened our welfare, Medicaid, education, healthcare, hospital, E.R., Medicare, Social Security, law enforcement, prison, insurance, and voting systems. Diversity: MYTH: Increasing diversity through immigration is necessary to be true to our civil rights principles. Opposition to illegal immigration is racist. We are obligated to accommodate millions of immigrants per year because our strength is our diversity; the diversity of immigrants made America great. And, Christopher Columbus was the first illegal alien, and we stole the land from the Indians. TRUTH: That is the old stand-by. You are a racist. However, race has nothing to do with it since illegal aliens are of all races from all over the world. Diversity is good, but massive, uncontrolled, illegal immigration itself leads to racism due to chaos, societal disorder, resentments, and increased competition for a slice of a shrinking pie. Irredentism: MYTH: We have no right to secure U.S. borders, because U.S. borders are illegitimate to start with. The U.S. really belongs to the Indians and other neighboring nations, to start with. TRUTH: This is another lame argument. If you want to use that logic, we should all give back all of our nations to the original inhabitants, or their ancestors. This lame argument is just one of many that demonstrate how weak all of the pro-illegal alien arguments are. Cornucopianism: MYTH: The free market and technology will save us. We are the land of plenty. Besides, we need illegal aliens to grow out of our massive debt problems. They will become new tax payers, and we can grow our way out of debt. TRUTH: Even if that were true, does it justify using an under-paid underclass to remedy our debt problems? This simply does not make sense, since illegal aliens are costing U.S. taxpayers net losses of over $70 billion per year. Globalism: MYTH: We live in a global economy now, requiring new global solutions. Securing the U.S. borders is futile, since it is inadequate to deal with globalization. TRUTH: With increasing competition abroad, growing corporatism and corpocrisy, an increasingly irresponsible, bought-and-paid-for, elitist government, we can not grow, tax, or immigrate enough to eliminate our fiscal problems. Practicality: MYTH: It is not possible to deport 12+ million illegal aliens. TRUTH: There is no need to deport illegal aliens. We can help deport those that volunteer to be deported, but once the magnets are eliminated, illegal aliens will leave voluntarily The proposals to provide a Guest Worker Program is essentially a ruse. It is essentially an Amnesty Program, since illegal aliens will be allowed to stay, ridiculously complex rules associated with the Guest Worker Program will increase law enforcement duties and tracking requirements, many times over, and those laws will be not be enforced any more than current laws. And massive deportation is not necessary either. If the magnets that attract illegal aliens here are eliminated, illegal aliens will stop coming here, and many will leave voluntarily. Especially if we offer to pre-pay their transportation to return to their homeland, and provide a reasonable amount of money to help make their return trip home. Some may say that is unfair. However, U.S. citizens are justified to also have compassion for their own citizens, first. For those U.S. citizens supporting amnesty and a repeat of the 1986 amnesty . . . Where is the compassion for the victims of increased crime rates (Source: GAO-05-646R, based on a study group of 55,322 illegal aliens over a 57 year period; 29% of all incarcerated are illegal aliens) ? Where is the compassion for U.S. citizens that go without healthcare and access to E.R.s because ERs and hospitals are over-flowing with illegal aliens (of which many don't pay)? Is this fair to U.S. tax payers ? Where is the compassion for the truly needy U.S. citizens that can not get help because of limited resources and 32% of illegal aliens receiving welfare instead ? Where is the outrage of the greedy employers of illegal aliens ? Where is the compassion for the U.S. victims and survivors of crimes perpetrated by illegal aliens (29% of all prisoners are illegal aliens), and the crime rates are rising. Where is the compassion for U.S. citizens who's lives have been changed forever by illegal aliens that spread disease ? One illegal alien in Santa Barbara, California infected 56 other people with tuberculosis as reported on April 24, 2004, by the Santa Barbara Press-News, "Anatomy of an Outbreak". Because illegal alien migration into the USA continues unabated for the past 20 years, we now have 16,000 new cases of incurable MDR tuberculosis in the past five years. We suffer 7,000 new cases of leprosy. We tolerate 100,000 new cases of hepatitis "A" in our society. Chagas Disease, which affects 14 million South Americans and kills 50,000 annually, streams across our borders as unchecked thousands enter our society illegally. If your child goes to public school, they could be exposed, as thousands already have been. Where is the compassion for the U.S. tax payers that experience a net loss of about $70 billion per year due to all the numerous problems stemming from illegal aliens?

do you beleive the dollar will collapse? There are a lot of factors, that if they all act together and interact with each other at the right timing in what you could call a perfect storm, such as in a domino effect, could in fact, I beleive, lead to this outcome. You combine expensive programs, huge spending by goverment, all with the purpose of increasing the number of jobs and re-vitalizing the economy with a shrinking private sector. You get decreased tax revenue with increasing debt. At some point, a variety of factors conspire to remedy this imbalance; the dollar inflates to pay for the debt (printing money), or you default on your debt. Before this happens, I beleive China will sell off some of its t-bills or policy negotiatiosn will drive a rise in interest rates. This will further shrink tax revenue as a smaller amount of lending will decrease the size of the private sector. At some point, increasing taxes will not do any good politically, as it will further decrease the private sector and probably yield less tax revenue than required to pay for the debt, or rather, the interest on debt. In other words, at some point, no matter what the tax rate, we will not be able to pay the debt because the private sector will be too small at the time to really sponge out the revenue required to pay for the interest rate. So the solution will be a default, because the private sector will not be able to support the spending on these huge projects and the interest on the debt through taxes, and further debt selling will not be possible because the interest rate will be too high. The solution will probably be to make a new currency based on land. The private sector will collapse, goverment will collapse, and the system that emerges will be one based on excessive taxation mirrored from europe, which is socialist. peter, although your sarcasm is not palpable, it is sufficiently vague that sarcasm can only be in the eye of a beholder. But...it does give me an idea on how to make money. I mean, there must be some people that actually are doing just that.

stupid corporation? Belong and was a officer of stupid non profit making corporation. Twenty years ago I put my house up as collaterial for loan. It was used up quickly I got a few payments but when Busk's recession hit the corpoation quit the payments. Im about 1997 I was told that This loan needed to be retired. The cpa and my brothers solution was that I would be paid in cash as it was a loan payment instead of union wages. I told my brother that this did not release the corporation of the debt to me.I finished paying debt in 05 at 9% interest any remedies. The loan was with the bank and not corporation Sorry, Would my losses be tzx deductable Would my $65000 I lost be tax deductable as a lost. Sorry I can spell tax

Did you cheer when Obama said he was going to issue an executive order for his "Task force"? Or did you laugh as i did? OBAMA: "I've called for a bipartisan fiscal commission, modeled on a proposal by Republican Judd Gregg and Democrat Kent Conrad. This can't be one of those Washington gimmicks that lets us pretend we solved a problem. The commission will have to provide a specific set of solutions by a certain deadline. Yesterday, the Senate blocked a bill that would have created this commission. So I will issue an executive order that will allow us to go forward, because I refuse to pass this problem on to another generation of Americans." THE FACTS: Any commission that Obama creates would be a weak substitute for what he really wanted -- a commission created by Congress that could force lawmakers to consider unpopular remedies to reduce the debt, including curbing politically sensitive entitlements like Social Security and Medicare. That idea crashed in the Senate this week, defeated by equal numbers of Democrats and Republicans. Any commission set up by Obama alone would lack authority to force its recommendations before Congress, and would stand almost no chance of success. Round and round and round they go! where the spin stops, NOBODY KNOWS!

What is Islam? read all details before you come quick to judge? The Core of Islam:Among the blessings and favors that God has bestowed upon humanity is that He endowed them with an innate ability to recognize and acknowledge His existence. He placed this awareness deep in their hearts as a natural disposition that has not changed since human beings were first created. Furthermore, He reinforced this natural disposition with the signs that he placed in Creation that testify to His existence. However, since it is not possible for human beings to have a detailed knowledge of God except through revelation from Himself, God sent His Messengers to teach the people about their Creator Who they must worship. These Messengers also brought with them the details of how to worship God, because such details cannot be known except by way of revelation. These two fundamentals were the most important things that the Messengers of all the divine revelations brought with them from God. On this basis, all the divine revelations have had the same lofty objectives, which are: 1. To affirm the Oneness of God - the praised and glorified Creator – in His essence and His attributes. 2. To affirm that God alone should be worshipped and that no other being should be worshipped along with Him or instead of Him. 3. To safeguard human welfare and oppose corruption and evil. Thus, everything that safeguards faith, life, reason, wealth and lineage are part of this human welfare that religion protects. On the other hand, anything that endangers these five universal needs is a form of corruption that religion opposes and prohibits. 4. To invite the people to the highest level of virtue, moral values, and noble customs. The ultimate goal of every Divine Message has always been the same: to guide the people to God, to make them aware of Him, and to have them worship Him alone. Each Divine Message came to strengthen this meaning, and the following words were repeated on the tongues of all the Messengers: “Worship God, you have no god other than Him.” This message was conveyed to humanity by prophets and messengers which God sent to every nation. All of these messengers came with this same message, the message of Islam. All the Divine Messages came to bring the life of the people into willing submission to God. For this reason, they all share the name of “Islam”, or “submission” derived from the same word as “Salam”, or “peace”, in Arabic. Islam, in this sense, was the religion of all the prophets, but why does one see different variations of the religion of God if they all emanated from the same source? The answer is twofold. The first reason is that as a result of the passage of time, and due to the fact that previous religions were not under the Divine protection of God, they underwent much change and variation. As a result, we see that the fundamental truths which were brought by all messengers now differ from one religion to another, the most apparent being the strict tenet of the belief and worship of God and God alone. The second reason for this variation is that God, in His infinite Wisdom and eternal Will, decreed that all the divine missions prior to the final message of Islam brought by Muhammad, may God praise him, be limited to a specific time frame. As a result, their laws and methodologies dealt with the specific conditions of the people whom they had been sent to address. Humanity has passed through numerous periods of guidance, misguidance, integrity, and deviation, from the most primitive age to the heights of civilization. Divine guidance accompanied humanity through all of this, always providing the appropriate solutions and remedies. This was the essence of the disparity that existed between the different religions. This disagreement never went beyond the particulars of the Divine Law. Each manifestation of the Law addressed the particular problems of the people it was meant for. However, the areas of agreement were significant and many, such as fundamentals of faith; the basic principles and objectives of the Divine Law, such as protecting faith, life, reason, wealth, and lineage and establishing justice in the land; and certain fundamental prohibitions, some of the most important of these being idolatry, fornication, murder, theft, and giving false witness. Moreover, they also agreed upon moral virtues like honesty, justice, charity, kindness, chastity, righteousness, and mercy. These principles as well as others are permanent and lasting; they are the essence of all the Divine Messages and bind them all together. The Origins of Islam: But where does the message of Muhammad, may God praise him, fit in with the previous messages revealed by God? A brief history of the prophets might clear this point. The first human, Adam, followed Islam, in that he directed worship to God alone and none else and abided by His commandments. But through the passage of time and the dispersal of humanity throughout the earth, people strayed from this message and began directing worship to others instead of or along with God. Some took to worshipping the pious who passed away amongst them, while others took to worshipping spirits and forces of nature. It was then that God started to send messengers to humanity steering them back to the worship of God Alone, which accorded to their true nature, and warning them of the grave consequences of directing any type of worship to others besides Him. The first of these messengers was Noah, who was sent to preach this message of Islam to his people, after they had started to direct worship to their pious forefathers along with God. Noah called his people to leave the worship of their idols, and ordered them to return to the worship of God Alone. Some of them followed the teachings of Noah, while the majority disbelieved in him. Those who followed Noah were followers of Islam, or Muslims, while those that did not, remained in their disbelief and were seized with a punishment for doing so. After Noah, God sent messengers to every nation who had strayed from the Truth, to steer them back to it. This Truth was the same throughout time: to reject all objects of worship and to direct all worship without exception to God and none else, the Creator and Lord of all, and to abide by His commandments. But as we mentioned before, because each nation differed in regards to their way of life, language, and culture, specific messengers were sent to specific nations for a specific time period. God sent messengers to all nations, and to the Kingdom of Babylon He sent Abraham – one of the earliest and greatest prophets – who called his people to reject the worship of the idols to which they were devoted. He called them to Islam, but they rejected him and even tried to kill him. God put Abraham through many tests, and he proved true to all of them. For his many sacrifices, God proclaimed that he would raise from amongst his progeny a great nation and choose prophets from amongst them. Whenever people from his progeny started to stray away from the Truth, which was to worship none but God alone and to obey His commandments, God sent them another messenger steering them back to it. Consequently, we see that many prophets were sent amongst the progeny of Abraham, such as his two sons Isaac and Ishmael, along with Jacob (Israel), Joseph, David, Solomon, Moses, and of course, Jesus, to mention a few, may the Peace and Blessings of God be upon them all. Each prophet was sent to the Children of Israel (the Jews) when they went astray from the true religion of God, and it became obligatory upon them to follow the messenger which was sent to them and obey their commandments. All of the messengers came with the same message, to reject worship of all other beings except God Alone and to obey His commandments. Some disbelieved in the prophets, while others believed. Those that believed were followers of Islam, or Muslims. From amongst the messengers was Muhammad, may God praise him, from the progeny of Ishmael, the son of Abraham, may God praise him, who was sent as a messenger in succession to Jesus. Muhammad, may God praise him, preached the same message of Islam as the previous prophets and messengers – to direct all worship to God Alone and none else and to obey His commandments – in which the followers of the previous prophets went astray. So as we see, the Prophet Muhammad, may God praise him, was not the founder of a new religion, as many people mistakenly think, but he was sent as the Final Prophet of Islam. By revealing His final message to Muhammad, which is an eternal and universal message for all of mankind, God finally fulfilled the covenant that He made with Abraham. Just as it was incumbent upon the those who were alive to follow the message of the last of the succession of prophets which was sent to them, it becomes incumbent upon all of humanity to follow the message of Muhammad. God promised that this message would remain unchanged and fit for all times and places. Suffice is it to say that the way of Islam is the same as the way of the prophet Abraham, because both the Bible and the Quran portray Abraham as a towering example of someone who submitted himself completely to God and directed worship to Him alone and none else, and without any intermediaries. Once this is realized, it should be clear that Islam has the most continuous and universal message of any religion, because all prophets and messengers were “Muslims”, i.e. those who submitted to God’s will, and they preached “Islam”, i.e. submission to the will of Almighty God by worshipping Him Alone and obeying His commandments. So we see that those who call themselves Muslims today do not follow a new religion; rather they follow the religion and message of all prophets and messengers which were sent to humanity by God’s command, also known as Islam. The word “Islam” is an Arabic word which literally means “submission to God”, and Muslims are those who willfully submit to and actively obey God, living in accordance with His message. The Essential Beliefs of Islam: There are many aspects of belief in which one who adheres to Islam must have firm conviction. From those aspects, the most important are six, known as the “Six Articles of Belief”. 1) Belief in God Islam upholds strict monotheism and belief in God forms the heart of their faith. Islam teaches belief in one God who neither gives birth nor was born Himself, and has no share in His caretaking of the world. He alone gives life, causes death, brings good, causes affliction, and provides sustenance for His creation. God in Islam is the sole Creator, Lord, Sustainer, Ruler, Judge, and Savior of the universe. He has no equal in His qualities and abilities, such as knowledge and power. All worship, veneration and homage is to be directed to God and none else. Any breach of these concepts negates the basis of Islam. 2) Belief in the Angels Adherents to Islam must believe in the Unseen world as mentioned in the Quran. From this world are the angels’ emissaries of God, each assigned with a specific task. They have no free-will or ability to disobey; it is their very nature to be God's faithful servants. Angels are not to be taken as demigods or objects of praise or veneration; they are mere servants of God obeying His every command. 3) Belief in the Prophets and Messengers Islam is a universal and inclusive religion. Muslims believe in the prophets, not just the Prophet Muhammad, may God praise him, but the Hebrew prophets, including Abraham and Moses, as well as the prophets of the New Testament, Jesus, and John the Baptist. Islam teaches God did not send prophets to Jews and Christians alone, rather He sent prophets to all nations in the world with one central message: worship God alone. Muslim must believe in all prophets sent by God mentioned in the Quran, without making any distinction between them. Muhammad was sent with the final message, and there is no prophet to come after him. His message is final and eternal, and through him God completed His Message to humanity. 4) Belief in the Sacred Texts Muslims believe in certain books that God has sent down to humanity through His prophets. These books include the Books of Abraham, the Torah of Moses, the Psalms of David, and the Gospel of Jesus Christ. These books all had the same source (God), the same message, and all were revealed in truth. This does not mean that they have been preserved in truth. Muslims (and many other Jewish and Christian scholars and historians) find that the books in existence today are not the original scriptures, which in fact have been lost, changed, and/or translated over and over again, losing the original message. As Christians view the New Testament to fulfill and complete the Old Testament, Muslims believe that the Prophet Muhammad received revelations from God through the angel Gabriel to correct human error that had entered into the scriptures and doctrine of Judaism, Christianity and all other religions. This revelation is the Quran, revealed in the Arabic language, and found today in its pristine form. It seeks to guide mankind in all walks of life; spiritual, temporal, individual and collective. It contains directions for the conduct of life, relates stories and parables, describes the attributes of God, and speaks of the best rules to govern social life. It has directions for everybody, every place, and for all time. Millions of people today have memorized the Quran, and all copies of the Quran found today and in the past are identical. God has promised that He will guard the Quran from change until the end of times, so that Guidance be clear to humanity and the message of all the prophets be available for those who seek it. 5) Belief in Life after Death Muslims believe that a day will come when all of creation will perish and resurrected in order to be judged for their deeds: The Day of Judgment. On this day, all will gather in the presence of God and each individual will be questioned about their life in the world and how they lived it. Those who held correct beliefs about God and life, and followed their belief with righteous deeds will enter Paradise, even though they may pay for some of their sins in Hell if God out of His Infinite Justice chooses not to forgive them. As for those who fell into polytheism in its many faces, they will enter Hellfire, never to leave therefrom. 6) Belief in the Divine Decree Islam asserts that God has full power and knowledge of all things, and that nothing happens except by His Will and with His full knowledge. What is known as divine decree, fate, or "destiny" is known in Arabic as al-Qadr. The destiny of every creature is already known to God. This belief however does not contradict with the idea of man's free will to choose his course of action. God does not force us to do anything; we can choose whether to obey or disobey Him. Our choice is known to God before we even do it. We do not know what our destiny is; but God knows the fate of all things. Therefore, we should have firm faith that whatever befalls us, it is according to God's will and with His full knowledge. There may be things that happen in this world that we do not understand, but we should trust that God has wisdom in all things. Islamic Worship: There are five simple but essential observances that all practicing Muslims accept and follow. These “Pillars of Islam” represent the core that unites all Muslims. 1) The ‘Declaration of Faith’ A Muslim is one who testifies that “none deserves worship but God, and Muhammad is the messenger of God.” This declaration is known as the “shahada” (witness, testimony). God is the Arabic name for God, just as Yahweh is the Hebrew name for God. By making this simple proclamation one becomes a Muslim. The proclamation affirms Islam’s absolute belief in the oneness of God, His exclusive right to be worshipped, as well as the doctrine that associating anything else with God is the one unforgivable sin as we read in the Koran: “God does not forgive anyone for associating something with Him, while He does forgive whomever He wishes to for anything else. Anyone who gives God partners has invented an awful sin.” (Quran 4:48) The second part of the testimony of faith states that Muhammad, may God praise him, is a prophet of God like Abraham, Moses and Jesus before him. Muhammad brought the last and final revelation. In accepting Muhammad as the “seal of the prophets,” Muslims believe that his prophecy confirms and fulfills all of the revealed messages, beginning with Adam’s. In addition, Muhammad serves as the role model through his exemplary life. A believer’s effort to follow Muhammad’s example reflects the emphasis of Islam on practice and action. 2) The Prayer (Salah) Muslims worship five times a day: at daybreak, noon, mid afternoon, sunset, and evening. It helps keep believers mindful of God in the stress of work and family. It resets the spiritual focus, reaffirms total dependence on God, and puts worldly concerns within the perspective of the last judgment and the afterlife. The prayers consist of standing, bowing, kneeling, putting the forehead on the ground, and sitting. The Prayer is a means in which a relationship between God and His creation is maintained. It includes recitations from the Quran, praises of God, prayers for forgiveness and other various supplications. The prayer is an expression of submission, humility, and adoration of God. Prayers can be offered in any clean place, alone or together, in a mosque or at home, at work or on the road, indoors or out. It is preferable to pray with others as one body united in the worship of God, demonstrating discipline, brotherhood, equality, and solidarity. As they prepare to pray, Muslims face Mecca, the holy city centered around the Kaaba - the house of God built by Abraham and his son Ishmael. 3) The Compulsory Charity (Zakah) In Islam, the true owner of everything is God, not man. People are given wealth as a trust from God. Zakah is worship and thanksgiving to God by supporting the poor, and through it one’s wealth is purified.. It requires an annual contribution of 2.5 percent of an individual’s wealth and assets. Therefore, Zakah is not mere “charity”, it is an obligation on those who have received their wealth from God to meet the needs of less fortunate members of the community. Zakah is used to support the poor, orphans, and widows, help those in debt, and, in olden times, to free slaves. 4) The Fast of Ramadan (Sawm) Ramadan is the ninth month of the Islamic lunar calendar which is spent in fasting. Healthy Muslims abstain from dawn to sunset from food, drink, and sexual activity. Fasting develops spirituality, dependence upon God, and brings identification with the less fortunate. A special evening prayer is also held mosques in which recitations of the Quran are heard. Families rise before sunrise to take their first meal of the day to sustain them till sunset. The month of Ramadan ends with one of the two major Islamic celebrations, the Feast of the Breaking of the Fast, called Eid al-Fitr, which is marked by joyfulness, family visits, and exchanging of gifts. 5) The fifth Pillar is the Pilgrimage or Hajj to Mecca At least once in a lifetime, every adult Muslim who is physically and financially able is required to sacrifice time, wealth, status, and ordinary comforts of life to make the Hajj pilgrimage, putting himself totally at God’s service. Every year over two million believers from a diversity of cultures and languages travel from all over the world to the sacred city of Mecca[1] to respond to God’s call. Who are Muslims? The Arabic word “Muslim” literally means “someone who is in a state of Islam (submission to the will and law of God)”. The message of Islam is meant for the entire world, and anyone who accepts this message becomes a Muslim. There a over a billion Muslims worldwide. Muslims represent the majority population in fifty-six countries. Many people are surprised to know that the majority of Muslims are not Arab. Even though most Arabs are Muslims, there are Arabs who are Christians, Jews and atheists. Only 20 percent of the world’s 1.2 billion Muslims come from Arab countries. There are significant Muslim populations in India, China, Central Asian Republics, Russia, Europe, and America. If one just takes a look at the various peoples who live in the Muslim World - from Nigeria to Bosnia and from Morocco to Indonesia - it is easy enough to see that Muslims come from all different races, ethnic groups, cultures and nationalities. Islam has always been a universal message for all people. Islam is the second largest religion in the world and will soon be the second largest religion in America. Yet, few people know what Islam is. Footnotes: [1] Mecca city is located in Saudi Arabia.

Fact checks for last night's State of the Union? A look at some of his claims and how they compare with the facts: OBAMA: "Starting in 2011, we are prepared to freeze government spending for three years. Spending related to our national security, Medicare, Medicaid, and Social Security will not be affected. But all other discretionary government programs will. Like any cash-strapped family, we will work within a budget to invest in what we need and sacrifice what we don't." THE FACTS: The anticipated savings from this proposal would amount to less than one percent of the deficit -- and that's if the president can persuade Congress to go along. Obama is a convert to the cause of broad spending freezes. In the presidential campaign, he criticized Republican opponent John McCain for suggesting one. "The problem with a spending freeze is you're using a hatchet where you need a scalpel," he said a month before the election. Now, Obama wants domestic spending held steady in most areas where the government can control year to year costs. The proposal is similar to McCain's. ------ OBAMA: "I've called for a bipartisan fiscal commission, modeled on a proposal by Republican Judd Gregg and Democrat Kent Conrad. This can't be one of those Washington gimmicks that lets us pretend we solved a problem. The commission will have to provide a specific set of solutions by a certain deadline. Yesterday, the Senate blocked a bill that would have created this commission. So I will issue an executive order that will allow us to go forward, because I refuse to pass this problem on to another generation of Americans." THE FACTS: Any commission that Obama creates would be a weak substitute for what he really wanted -- a commission created by Congress that could force lawmakers to consider unpopular remedies to reduce the debt, including curbing politically sensitive entitlements like Social Security and Medicare. That idea crashed in the Senate this week, defeated by equal numbers of Democrats and Republicans. Any commission set up by Obama alone would lack authority to force its recommendations before Congress, and would stand almost no chance of success. ------ OBAMA: Discussing his health care initiative, he said: "Our approach would preserve the right of Americans who have insurance to keep their doctor and their plan." THE FACTS: The Democratic legislation now hanging in limbo on Capitol Hill aims to keep people with employer-sponsored coverage -- the majority of Americans under age 65 -- in the plans they already have. But Obama can't guarantee g point of contention for the president. In December, the administration reported that recipients of direct assistance from the government created or saved about 650,000 jobs. The number was based on self-reporting by recipients and some of the calculations were shown to be in error. The Congressional Budget Office has been much more guarded than Obama in characterizing the success of the stimulus plan. In November, it reported that the stimulus increased the number of people employed by between 600,000 and 1.6 million "compared with what those values would have been otherwise." It said the ranges "reflect the uncertainty of such estimates." And it added: "It is impossible to determine how many of the reported jobs would have existed in the absence of the stimulus package." ------ OBAMA: He called for action by the White House and Congress "to do our work openly, and to give our people the government they deserve." THE FACTS: Obama skipped past a broken promise from his campaign -- to have the negotiations for health care legislation broadcast on C-SPAN "so that people can see who is making arguments on behalf of their constituents, and who are making arguments on behalf of the drug companies or the insurance companies." Instead, Democrats in the White House and Congress have conducted the usual private negotiations, making multibillion-dollar deals with hospitals, pharmaceutical companies and other stakeholders behind closed doors. Nor has Obama lived up consistently to his pledge to ensure that legislation is posted online for five days before it's acted upon. ------ OBAMA: "We will continue to go through the budget line by line to eliminate programs that we can't afford and don't work. We've already identified $20 billion in savings for next year." THE FACTS: Identifying savings is far from achieving them. If the past is any guide, little will result from this exercise because Congress routinely rejects the White House's suggested spending cuts. ------ OBAMA: "The United States and Russia are completing negotiations on the farthest-reaching arms control treaty in nearly two decades." THE FACTS: Despite insisting early last year that they would complete the negotiations in time to avoid expiration of the 1991 Strategic Arms Reduction Treaty in early December, the U.S. and Russia failed to do so. And while officials say they think a deal on a new treaty is within reach, there h

Static NEVER lie? THE BEST MAN WIN POLICY The white points of arguments are this,South Carolina primary definitely goes for Obama since its was supported by black majority,so in his argument is that,what's is wrong if Ohio supports goes to Clinton as they're the majority white. He carry on to mentions,when the white supports the white,the black said it's purely base on racial line,But when the black support the black,it's not racial as he said,(they never had once to have the Black President of USA)it's understandable natural propective reactions (on my personel opinion) But My points here that they're both wrong in either ways,to engage and feels the backward uncivize past arguements,whereas our forefathers already reached and settled this issues before(as we always heard the proverb(The Two Wrongs,Doesn't make One Right), by playing this dirty card tactics that divided us as a nation,as it looks like a bunch of plain sore losers score attitudes by both parties, particularly during this very Important Elections that people still using these cheap-skate execuses to raises their sentiments.It's much easier to Raise One's Sentiments,just only at finger tip moments ,then to create One Unity,as our forefathers does a Century ago to reach a common ground. Why must we argue and belittle one another? We are all civilize USA citizens,can't we all makes Consensus rather a Confrontations on each other? I can understand the history beneath the root feelings of both parties,(Consensus, togetherness we're much Stronger)On the part of the white please do takes this opportunity and reality, so called the first black president's candidate that's most,brilliant,with fascinating intellectual mind,if you really cares to know and read either one of his published books, to get insight know him better. A law graduate from our top-notch finest University our land can offer,Harvard Law's School,he also happened to be Harvard's first black President of it's 104 years history and also Harvard's Law School first as the President's Candidate. He also has a very warm personality as a person, the brightest, even amongst our white in our nation,The best "Man Win" policy should be the major consideration in picking a President for Democratic Nation rather a color of his skin, Americans should understand this all about their forefathers of America believing in,This is what the Constitution of United States all about stated,that relects in their earlier struggles days,the root of true aspirations and enthusiast lies with INTELLECTUAL ability instead rather going forward with SENTIMENTS feelings, we are becoming a country of MONARCHY approach as we heard everywhere people were saying with the same dilemma,we can see on this Candidate that has been reflecting the Highest ever turnout at Primaries history. People were dogged with the past memory,with the thought of voting for Clinton because a win for Hillary would put her husband, the former president, back in the White House too: "Oh God,With Bill Clinton. All our Life's was so good back with Clinton."as acclaims, going forward with this assumptions actually USA going near to a bankrupt country for sure, we might as well consider bring back the spirit of Abraham Lincoln to Washington. Now we now living dangerous becoming a Country of Communism Socialize Union past,Only Bush/Clinton Have the the only RIGHT to be American President attitudes sooner or later we shall see a DYING UNITED STATES OF AMERICA. We have been Living so close with Ideologies of the Father\Son\Husband\Wife\Daughter Monarchy of Bush/Clinton Dynasty. Hillary was right to mentioned during the Texas rally " America needs to BORROW MONEY even from his "FOE CHINA" just to buy Oil as payment to Saudi" "What happened to other American Allies?like UK,Japan,maybe they have exhausted too much already, Perharps the most closest America ally like Saudi may start to wary of America ability to pay, as old debt accumulates,.in asking the payment upfront from USA. Now America have new reputations "World-Wide eyes as Nation of Debts!!!"Many his Allies now trying to avoid at any cost from America,they're removing their fund from USA banks.During Bush /Clinton terms were cause of letting the" LOBBYIST" to dance with ideas with Sub-Prime Mortgage are their faster solutions as early in 2000, they can thinks of,Which I Views as problems"SWEEP UNDER THE CARPET" solutions by their Bush/Clinton administrations even they know very well where these situation lies and more lies ahead from them,which the people feels everywhere with HAPPY momentum. Flush with easy money that lies everywhere,during their terms, every American having a happy attitudes settled before them well,Bush/Clinton adopted this approach,to solve nation temporary problems,shifted from the Truth,whatever happen next is not under their terms,this beyond their imaginations and expectation,the issues becoming so serious that effected too many people at the national stage, now they're trying again to do the remedy?too far too late, people start to realise how TRUE to be homeless now with forecloses and bankruptcies pettitions,they realised the decisions that been made by so called Commander-In-Chief earlier cover lies .Stactic Never Lie,The Politicians with the most experienced at Washington were thoses who bound to be the biggest Liars. This'd the True our American dreams that come " Once in the Century" Once in our lifetime,called an able black USA President among "Ourselves" even White, Americans did had many opportunities before and long history of white Presidents since the days of Abraham Lincoln. COLOR BLIND

America Living Dangerously now? THE BEST MAN WIN POLICY The white points of arguments are this,South Carolina primary definitely goes for Obama since its was supported by black majority,so in his argument is that,what's is wrong if Ohio supports goes to Clinton as they're the majority white. He carry on to mentions,when the white supports the white,the black said it's purely base on racial line,But when the black support the black,it's not racial as he said,(they never had once to have the Black President of USA)it's understandable natural propective reactions (on my personel opinion) But My points here that they're both wrong in either ways,to engage and feels the backward uncivize past arguements,whereas our forefathers already reached and settled this issues before. (as we always heard the proverb(The Two Wrongs,Doesn't make One Right), by playing this dirty card tactics that divided us as a nation,as it looks like a bunch of plain sore losers score attitudes by both parties, particularly during this very Important Elections that people still using these cheap-skate execuses to raises their sentiments.It's much easier to Raise One's Sentiments,just only at finger tip moments ,then to create One Unity,as our forefathers does a Century ago to reach a common ground. Why must we argue and belittle one another? We are all civilize USA citizens,can't we all makes Consensus rather a Confrontations on each other? I can understand the history beneath the root feelings of both parties,(Consensus, togetherness we're much Stronger)On the part of the white please do takes this opportunity and reality, so called the first black president's candidate that's most,brilliant,with fascinating intellectual mind,if you really cares to know and read either one of his published books, to get insight know him better. A law graduate from our top-notch finest University our land can offer,Harvard Law's School,he also happened to be Harvard's first black President of it's 104 years history and also Harvard's Law School first as the President's Candidate. He also has a very warm personality as a person, the brightest, even amongst our white in our nation,The best "Man Win" policy should be the major consideration in picking a President for Democratic Nation rather a color of his skin, Americans should understand this all about their forefathers of America believing in,This is what the Constitution of United States all about stated,that relects in their earlier struggles days,the root of true aspirations and enthusiast lies with INTELLECTUAL ability instead rather going forward with SENTIMENTS feelings, we are becoming a country of MONARCHY approach as we heard everywhere people were saying with the same dilemma,we can see on this Candidate that has been reflecting the Highest ever turnout at Primaries history. People were dogged with the past memory,with the thought of voting for Clinton because a win for Hillary would put her husband, the former president, back in the White House too: "Oh God,With Bill Clinton. All our Life's was so good back with Clinton."as acclaims, going forward with this assumptions actually USA going near to a bankrupt country for sure, we might as well consider bring back the spirit of Abraham Lincoln to Washington. Now we now living dangerous becoming a Country of Communism Socialize Union past,Only Bush/Clinton Have the the only RIGHT to be American President attitudes sooner or later we shall see a DYING UNITED STATES OF AMERICA. We have been Living so close with Ideologies of the Father\Son\Husband\Wife\Daughter Monarchy of Bush/Clinton Dynasty. Hillary was right to mentioned during the Texas rally " America needs to BORROW MONEY even from his "FOE CHINA" just to buy Oil as payment to Saudi" "What happened to other American Allies?like UK,Japan,maybe they have exhausted too much already, Perharps the most closest America ally like Saudi may start to wary of America ability to pay, as old debt accumulates,.in asking the payment upfront from USA. Now America have new reputations "World-Wide eyes as Nation of Debts!!!"Many his Allies now trying to avoid at any cost from America,they're removing their fund from USA banks.During Bush /Clinton terms were cause of letting the" LOBBYIST" to dance with ideas with Sub-Prime Mortgage are their faster solutions as early in 2000, they can thinks of,Which I Views as problems"SWEEP UNDER THE CARPET" solutions by their Bush/Clinton administrations even they know very well where these situation lies and more lies ahead from them,which the people feels everywhere with HAPPY momentum. Flush with easy money that lies everywhere,during their terms, every American having a happy attitudes settled before them well,Bush/Clinton adopted this approach,to solve nation temporary problems,shifted from the Truth,whatever happen next is not under their terms,this beyond their imaginations and expectation,the issues becoming so serious that effected too many people at the national stage, now they're trying again to do the remedy?too far too late, people start to realise how TRUE to be homeless now with forecloses and bankruptcies pettitions,they realised the decisions that been made by so called Commander-In-Chief earlier cover lies . Stactic Never Lie,The Politicians with the most experienced at Washington were those who bound to be the biggest Liars. This'd the True our American dreams that come " Once in the Century" Once in our lifetime,called an able black USA President among "Ourselves" even White, Americans did had many opportunities before and long history of white Presidents since the days of Abraham Lincoln. COLOR BLIND

Edit my report for me please? What Are the Causes and Effects of the Great Depression? The Great Depression has affected the United Sates in many ways and has caused a loss that we can never fully recover from. It was gap in U.S. history that had cost us many lives and jobs. The depression began in late 1929 and lasted for about a decade. The 1920’s or “The Roaring Twenties” played a big role in causes of the great depression. The 1920’s were a time of peace and great prosperity. After World War I, the “Roaring Twenties” was fueled by increased industrialization and new technologies, such as the radio and the automobile. Air flight was also becoming widespread, as well. The economy benefited greatly from the new life changing technologies. As the stock market soared, many investors quickly snapped up shares. Stocks were seen as extremely safe by most economists, due to the powerful 1920s boom. Investors soon purchased stock on margin. Margin is the borrowing of stock for the purpose of getting profit. If a stock drops too much, a margin holder could lose all of their money and owe their broker money as well. From 1921 to 1929, the stocks rocketed. Millionaires were created instantly. Soon stock market trading became America’s favorite pastime as investors bought stocks to make a quick profit. Investors mortgaged their homes, and foolishly invested their life savings in hot stocks, such as Ford and RCA. To the average investor, stocks were a sure thing. Few people actually studied the fundamentals of the companies they invested in. Thousands of fraud companies were formed to trick uneducated investors. Most investors never even thought a crash was possible. To them, the stock market “always went up”. By 1929 the stock market reached its all time high and investors were buying stocks by the dozen. Then all of a sudden prices started lowering. All investors sold their stock buy no one wanted to buy. This one day had caused a decade of Depression. The causes of the Great Depression In 1929 a panic on the New York stock Exchange introduced a mouth dropping effect. The stock market that had been giving everyone the profit they wanted collapsed. Several events that occurred before 1929 caused this to happen on a long term basis. During the roaring twenties everyone was prospering and making profit. The manufacturers were trying to sell there products to as much financial groups as possible, but they were unable to lower there prices so the poor can buy there products. (Lamb, Annette 2008). The government came out with the process of credit. It worked by a person buying a product over time paying a monthly bill. For example, if someone wanted to buy a washing machine that cost $500 but they only had $100. They would pay there $100 and then pay a certain amount every month till the washing machine was paid off. The government also charged the buyers more than the product actually cost in stores, so in the end they wound up paying more than the original price. This process put many Americans in debt. In record almost every American spent 75% of there yearly income on consumer goods. (Lamb, Annette 2008). When Americans put more on credit than they could afford they went into debt. This happened to many Americans making the nations total go down and causing a worldwide problem. The short term reason for the stock market crash of 1929 was the middleclass people getting into the stock market. Middle income people started buying stocks on margin in order to get themselves in on the economic boom the U.S. was having during the roaring twenties. At that time there were soaring prices for stocks. People paid a small percentage of a stock's price as down payment and borrowed the rest from a stockbroker. (Lamb, Annette 2008) The system worked well as long as stock prices were rising. If they fell, however, investors would have no money to pay off the loan. In September 1929, some investors began to think that stock prices became too high. They started selling their stocks, believing prices would soon go down. By Tuesday October 24, the gradual lowering of stock prices had become an all out slide downward. A panic resulted. Everyone wanted to sell stocks, and no one wanted to buy. Prices plunged to a new low on Tuesday October 29. A record 16 million stocks were sold. Then what Americans thought could never happen, the stock market collapsed. The effects of the Great Depression The Great Depression affected not only the people but the country as well. International trade and industrial production dropped sharply right after the stock market crash of 1929. Wages shrank, unemployment rose, and widespread misery proved that something was wrong with the economic system. The whole world felt the impact of this tragedy but Americans suffered it the worst. (Slee, Tom 2008) What people in America noticed almost instantly about the Depression was the reduction of their incomes. In addition to millions of wage earners who were thrown out of work entirely, millions more became part-time laborers. Even those who kept full-time jobs often had to accept a reduction in wages. (Slee, Tom 2008) In addition to the cut wages the Depression also affected international trade and manufacturing which shrank rapidly and filled many people with apprehension. In 1929 the estimated value of United States imports and exports had reached almost ten billion dollars. (Mandel, William 2008). By 1933 the value had dropped to three billion. Furthermore, American industrial output was cut in half. This had a big affect on the United States because most of there exports were used by the government to pay bills. With all the people taking there money out the bank to try and recover their savings, the banks went bankrupt. Thousands of banks were forced to close as a result of this. Business owners also suffered from the Depression. With there bills and debt rising they were no longer able to pay there workers or buy their products, and were forced to fire many workers. (Mandel, William 2008). It was hard to find affordable materials and eventually many businesses had no choice but to close. The dislocation of trade and industry, the falling prices, and the rising unemployment that came with the Depression forced statesmen and economists to seek remedies. But the experts could not agree in what was wrong or what measures would prove most effective in restoring the U.S economy. The solution to this problem would soon come. (Mandel, William 2008). During the 1930s the government was providing weapons, tanks and other much needed necessities to Great Britain under the lend-lease act. This was a pre-start to the coming war effort. In 1939 when America was hit at Pearl Harbor, World War Two struck out. Many Americans enlisted to go to war in order to get money and start a new life for there families. (Mandel, William 2008). With all the needed supplies for the war, the government hired people in factories to make weapons, munitions, tanks, airplanes and any other supplies needed for war. This was a big opportunity for unemployed people and many took the job as factory workers. As the unemployment rate was lowering so was American debt. (Mandel, William 2008). With people getting money and paying off there bills, they were able to buy everyday items to keep them going. This cycle opened many more businesses and eventually pulled the United States economy out of the Great Depression. ok well this is my social studies report on the causes and effects of the great depression. it is split into three parts. the first is the introduction and explains what led up to the great depression. the second is the causes and the third is the effects. i just need you just to edit my grammar and punctuation and im good. also i still need a conclusion if you can help me with that. :) ohh yea and the names with parenthesis and years are just giving credit to the sources i used. don't ask my teachers made me do it.... i did this all in like a night and i think i deserve to get it edited for all the work i went though. and i suck at grammar so i cant edit it myself.