Town Hall affair 8/8/09 - Congressman Steve Cohen; Memphis, TN

http://www.youtube.com/watch?v=TiekvaFV7es&hl=en

Auto Insurance Tips - Things That Can Make Your Car Insurance Premiums Higher Then They Should Be!

Do you pay a lot for your car insurance? Have you ever looked into why you pay the price that you do? There are the obvious reasons - five fender benders in a year do not come cheap. Here are the sneaky things that cause your car insurances prices to creep up:

The theft rate of your car. Seemingly modest vehicles have been known to top the theft list. Know what you are buying; don't shell out sports car insurance prices for your family sedan. The same rule applies to cars with expensive parts and low safety ratings.

Verify your driving record. Someone's typo could be costing you big money. It wouldn't hurt to check in with your DMV to be sure your record is correct.

Do you have more than one car? It is often to your advantage to add a second car to your auto insurance plan. Adding your house to your insurance plan may also make you eligible for special discounts.

Consider dropping collision coverage on an older model car. This will prevent you from paying out more than the car is worth. It is often cheaper to pay out of pocket to fix an older car.

Is there a teen driver in your household? That will cost you. Check to see if your auto insurance company offers discounts for good grades. The type of car your teen drives can effect the price you pay for insurance. Auto insurance companies prefer that teens drive a modest, heavy vehicle with safety features. Heavier vehicles make it harder to drive recklessly and can lower the risk of a collision.

Finally, don't forget to shop for the lowest rates! It is easy to compare auto insurance quotes online. Make sure you are getting the best deal out there.

How to Get Cheap Car Insurance in Phoenix

Cheap car insurance in Phoenix - if you buy liability insurance minimum requirements for vehicles in Arizona - not as expensive as in other states. In Phoenix, you must have $ 15,000 per person bodily injury liability (this means that two people should be insured for $ 30,000) and damage to insured property must be at least $ 10,000. Of course, buying more than the liability insurance requirements are always encouraged to Arizona. There are many>insurance means you're more adequately covered in the event of an accident.

Now that you know how much Phoenix car insurance to purchase, how do you begin finding cheap car insurance in Phoenix? Follow these tips.

Ask for advice. They say word-of-mouth is the best form of advertisement. Ask your family members, friends, neighbors, co-workers, and anyone else with who you talk about the insurance companies from which they purchase cheap car insurance in Phoenix. Focusing particularly on drivers who have cars similar to yours. The drivers are vulnerable to all kinds of car insurance in Phoenix, you will need.

According to the company. Once you have found Arizona a few insurance companies that sound promising, until you do. Visit their site and search through all kinds of automobile insurance policies they offer. Talking with representatives of the political classcan offer you specifically. Compare rates and coverage, and narrow your list to the ones that provide the exact coverage you need at a premium you're willing to pay.

Solicit help from third-parties. Third-parties include those that don't directly affect the purchasing process. Contact the Arizona Department of Insurance to find information about the companies you're considering. Look up a few independent research companies to find the financial ratings of each company. You may even want to check out the Better Business Bureau to find out about any complaints that have been filed against the insurance company - particularly those related to auto insurance - and how those claims were handled.

To Buy Or Not to Buy - Is Renting the Answer?

In the best of times the real estate market can be very confusing, if not just plain overwhelming, and in today's crazy economy, it is even more mystifying. Heavily fluctuating house prices and interest rates are prompting many to ask themselves whether it is better to rent or to purchase a home. There are many factors involved when making this decision. Considering the sense of pride and accomplishment that comes with having your name on the title of your home, emotion is often an overriding element in the decision to purchase a home. Of course financial responsibility/affordability is also a huge component in the process. So how do you know when renting is a better option than buying?

Whether renting is better than buying depends on many factors, including how fast prices are rising and how long you plan to stay in your home. Currently, house prices are at rock bottom and real estate analysts predict a rise in prices will happen at a very slow pace. This means that buying a home as an investment is no longer the motivating factor it once was. So does this mean renting is better? The answer to this is entirely dependant on the region in which you live.

To figure this out from a financial standpoint you can use the Rent Ratio formula to determine which decision makes the most sense. The rent ratio is calculated by dividing the purchase price of a home by 12 months of rent payments on a similar property. If the answer is below 20 then it makes more sense to purchase, above 20 then renting may be the better option. The rent ratio varies significantly from region to region depending on how well the local market has weathered the recent economic storm. Below are some examples from the 4th quarter of 2009, showing the highest, lowest and break-even ratios in the country: (A quick internet search for "rent ratios" will help you determine the situation in your area)

* Oakland, Calif. = 36.3

* Memphis, Tenn. = 20.2

* Pittsburgh, Pa. = 11.7

This formula considers all aspects of buying vs. renting; however, the biggest factor may be how long you plan to stay in your home. A recent comparison done by the NY Times concluded that buying a $172,000 dollar home vs. renting a home for $1,100/mnth will be beneficial only if you stay in the home for 7 years or more, with a total savings of $5,314, or $759/yr.

If your motivation for buying a home is to have a place to call your own, and you are not overly concerned with making a profit on the property in the short term, then making the purchase may be the right thing to do. If you consider buying a home as strictly an investment, you may want to put your money elsewhere.

Richard Wright Coming of Age in a White-Dominated South and Equipping Himself For Fighting Racism

Richard Wright, grandson of a slave was born and spent the first years of his life on a plantation near Natchez, Mississippi. The family's extreme poverty forced them to move to Memphis, Tennessee, in 1913 when Richard was six years old. Soon after moving, his father, a former sharecropper, abandoned the family, leaving his mother to support them alone.

His family moved to Jackson, Mississippi to live with relatives. Wright's entire life was fraught with such continual moving from town to town and staying with relatives, being boarded in orphanages, and hostels, incurring cleavages with family members and teachers, fighting incessantly with bullies, white street gangs,as much as his constant fight against hunger, hypocrisy, parental neglect and the trauma of living in a household of multiple sick members and coping with the drudgery of Christian fundamentalism

So when at the age of 15, Wright started expiating his feelings by writing his first story "The Voodoo of Hell's Half-Acre", and it was published in Southern Register, a local black newspaper, he had little support and encouragement from his family He had to develop a high level of motivation and daring , to go ahead forging notes with the signatures of whites to borrow books from the library for him to satisfy his unquenchable thirst for great literature.

Richard keeps steadily growing physically, socially, psychologically as well as emotionally. He begins to feel his hormones surging forth in church and he starts lusting after the elder's wife and is sexually stimulated by the "sweet sonorous hymn."

Richard soon starts finding new ways of spending his leisure hours untill one day, he decides to write a story about an Indian girl who commits suicide by drowning herself. As he reads the story to a young woman next door, Richard experiences a strange feeling of gratification at his accomplishment.

Richard enters the fifth grade of the Jim Hill School in Jackson, at the age of 13 two years behind his age group. On his first day, at the school, he takes the challenge to fight with two of the school bullies. In spite of all this, he does well in school, gains confidence and within two weeks is promoted to the sixth grade. . In addition, he delivers newspapers and works briefly with a traveling insurance salesman.

Most of Richard's schoolmates work mornings, evenings and Saturdays to earn enough money for buying clothes, books and lunch. But his Granny, being a Seventh Day Adventist, does not allow him to work on the Sabbath. Unable to work, Richard goes hungry during school while all his schoolmates buy and eat their lunch.

Richard begins friendships here, some of which were to last into his adulthood. (Dick Jordan, Joe Brown, Perry Booker, D.C. Blackburn, Lewis Anderson, Sarah Mc Neamer, and Essie Lee Ward.)

A classmate seeing Richard's unfortunate condition, and wanting to help him out of it tells him to take up a job selling papers published in Chicago. Richard realizing that he could thus make money as well as read the magazine/comic strip accompanying it, welcomed the idea. With Granny's approval, he starts selling the papers in the "Negro areas for a dime each, reading only the magazine supplement until a family friend points out to him the racist orientation of the articles in it. Richard then throws his paper away and never sells them again.

Richard continues to excel at his studies and keeps reading through volumes of books. Once whilst his Granny was trying to slap him for interceding in a religious debate between her and Aunt Addie, Richard ducks in time to avoid her blow whilst Granny slides down the porch steps, a long drag that left her barely conscious and bed-ridden for six weeks. An irrate Aunt Addie then confronts Richard: "You are evil! You bring nothin' but trouble!" threatening to beat him, thus forcing Richard for a month or so to be carrying a kitchen knife with him to bed for protection.

Family life continues to be difficult, although his mother's health improves slightly. He travels briefly during summer in the Mississippi Delta region as "secretary-accountant' to an insurance agent, Brother Mance, this permitting him to know the rural South much better. But he was greatly dismayed at the illiteracy, ignorance and naiveté he encountered among the black plantation families there. The money he earned quickly disappears and Brother Mance dies leaving Richard jobless once again.

The next year Richard begins the seventh grade. He begins to feel his hunger gnawing at his stomach once again. His grandfather falls seriously ill and dies. After being wounded in the Civil War, he had never received his disability pension in spite of decades writing to the War Department for it. For decades, Grandpa would write to the War Department to claim his pension, with no luck. Whilst his grandpa was ill, the family wrote letters, drew affidavits, and held conferences in an ill-fated attempt to claim his pension. After coming home from school one day, Richard is told to go upstairs and say good-bye to Grandpa. After that Richard is sent to tell Uncle Tom who upon his arrival with the news, shows nothing but anger thus reinforcing Richard's realization that he always seems to provoke hostility in others.

Richard's Granny now gets compelled to allow him to work after school and on Saturdays, although reluctantly. He was first interviewed for the job of chore boy by a white woman who had the temerity of asking him if he steals and serves him stale bread and moldy molasses for his breakfast Richard confirmed her racist intolerance when she expressed her astonishment at his desire to be a writer by asking him rather audaciously, "Who put such ideas into your nigger head?" Richard decided against the job at once and never returned to it. He now took another one running errands and serving food for a white family. After work he would be so tired that he found it hard to keep up with his studies. He thus managed to earn enough to buy textbooks, food, and clothes. At midday recess in school he would now show off by buying his own lunch and school books and putting on his new clothes.

His mother begins to recover and is soon well enough to attend a Methodist church to Granny's disapproval. Richard keeps accompanying her there until to please her he gets himself baptized there. He obliges not because of faith, but because all his schoolmates socialized at church meetings. During a religious revival, Richard is forced to converting and being baptized by his mother as well as the entire black community. In the meantime, Richard avidly reads pulp novels, magazines, and anything he can get his hands on.

His uncle, Thomas Wilson and family came in and rented the upstairs in Spring 1923. He threatened to beat up Richard for being rude which makes the defiant and horrified Richard to take with him two razor blades threatening in turn to fend him off with..

Towards summer 1923 Ella Wright suffered another paralytic stroke, and the family moved from Natchez to Jackson, then to Elaine, Arkansas, and back to Jackson to live with Wright's maternal grandparents, who were restrictive Seventh-day Adventists. The next year Richard obtains a job in a brickyard bringing pails of water to the thirsty black laborers. But one day he is bitten in the thigh by the white boss's dog. He receives no treatment, but a cool racist rebuff when he reports the matter to the supervisor,: "A dog bite can't hurt a nigger."

Wright experienced sporadic schooling throughout his young life due to their family's constantly moving. He attains the eighth grade at Smith Robertson Junior High School, Jackson, a school founded and built by a former slave by that name who became a successful local barber and community leader. It is the first black institution of its kind in Jackson dating back to 1894. Until he could afford a bicycle Wright had to walk several miles daily to and from the school.

He soon begins working for the Walls, a white family whom he finds kindly and so served them for two good years. Then out of job again he begins brooding over the prospects of a Negro living in a white-dominated society like theirs. In the process during the winter he came to write a short story, entitled, "The Voodoo of Hell's Half-Acre," published in the spring of 1924 in the Jackson Southern Register, a local black newspaper in three parts, with no surviving copies left. Wright was at the age of fifteen, when he wrote it.

When his fellow pupils read it they remained baffled as to Richard's motivation for writing. His staunchly religious grandmother, kept books out of the house and thought fiction was the work of the devil had brought all the household over to her conviction against Richard's creativity. So even his family did not give him any encouraging words as they joined his grandmother in believing the story was part of the devil's work. Richard thus grows more isolated by his progress from his immediate family and friends. But this did not frustrate his quest for advancing in that realm. His dream of writing continues to grow, despite the many forces against him: the stifling educational system in the South, discouragement from those around him and the stifling Jim Crow laws. He soon realized that with proper reading materials he could teach himself well.

Various demeaning jobs, one of which involved him delivering racist newspapers to the colored community, and family alienation, accelerated his escape into horror and mystery short stories and novels.like those of Edgar Allan Poe. He said that as a youth he "could not read enough of them." This sparked Wright's interest in defining his experience, through writing, as a poor black boy in a southern state, experiencing racial tension. He continued writing his own short stories. These frightened his simplistic grandmother who could not understand why her grandson was interested in writing about mystery and horror. Wright as a defensive move, kept any aspirations he had to be a writer to himself after his first experience with publication.

Richard now begins to seriously reflect upon the fact that racism and prejudice are products not only of the attitude of whites in the South but are products of the educational system. Black children are taught in ignorance, with no goals or motivation to grow as intellectuals. To Wright, the educational system that nurtured him was corrupted since it was solely geared to teaching them to remain ever subservient. He thus kept wondering as to why the whites decided to keep blacks in perpetual darkness. Here, he formed some lasting impressions of American racism before moving back to Memphis in 1927. While in Memphis he worked as a dishwasher and delivery boy and for an optical company. Tired of segregation law he became determined to leave the South before he would irretrievably overstep the bounds of the Jim Crow restrictions on blacks.

Richard's inability to cope with the tedium of Mr Bibb's job forces him into idleness again It is summer again and Richard now inquires of Mrs. Bibbs - his employer - whether her husband has a job opening at the sawmill. But the next day, Richard is warned of the hazards of working there by a black saw mill worker revealing his own hand with three fingers missing. Richard leaves and does not return.

The next afternoon, Richard seeing Ned Greenley, his classmate, sitting on his porch gladly approaches him but is shocked to learn from him that Ned's brother, Bob, who has been a hotel porter has been murdered by some white men who disapproved of his activities with a white prostitute. Richard thus becomes more conscious about the brutality of the racially oppressive South. The murder of Bob Greenley is elevated to myth-like status in Richard's mind. Because he has never witnessed the racial brutality and misconduct of Southern whites, his fears are heightened. But he soon realizes that he must learn to behave "correctly" for the sake of preserving his own life.

Richard's isolation from his family becomes more apparent to him when one day after talking to his cousin Maggie, he accidentally overhears Uncle Tom scolding her for conversing with him and warning her that Richard is a "dangerous fool" from whom he expects her "to keep away." When Richard's brother, Leon, returns home from Chicago, having become aware that the family seems to love and approve him more than they do him, joins Uncle Tom and the other family members in their opposition to Richard..But his isolation from his own family became a source of Richard's strength. At a young age, he learned out of necessity to be independent and willing to fight.

When Richard graduates from school, he is elected valedictorian of his class. The school principal approaches him with a pre-written speech to read at the graduation ceremony which Richard refuses to read thus forfeiting an opportunity to attain a teaching position. When the principal summons him into his office and hands him an already prepared speech, Richard is stunned. He refuses to read it, despite pressure from his family and peers like Griggs, another boy in school, who decided to recite one of the principal's speeches.. So on the day of graduation, Richard not caring a bit about possible consequences delivers his own speech 'The Attribute of Life' , dressed in a new suit, and leaves the platform immediately afterwards.

Anxious to earn money, Richard starts working as a porter in a clothing store catering to "Negroes on credit" under an unrepentantly racist boss who contemptuously slaps, kicks and sacks blacks at the slightest instance. One morning, he witnessed the boss and his son brutally kicking, slapping and dragging a black woman into the back of the store to rape her. A white policeman looks on unperturbed until at the end of their act when he arrested the woman charging her for being drunk.

Another incident occurs when Richard was returning from delivering supplies to negroes and he was approached by a car filled with white boys who whilst questioning him over his bicycle that he was pulling along, asked him whether he cared for their whisky. Upon his answering them without addressing them as "sir." Richard has a whisky bottle broken on his head and left bleeding.

Each day, hatred builds in Richard for the whites. The boss's son even fires Richard for not laughing and talking "like the other niggers."

Next time he runs into whites was on one Sunday evening while returning from a delivery trip when he is accosted by white youths who warn him to tell his boss to stop sending him to white neighborhoods at night.

Richard who continues to witness the wrong and brutal treatment of black s everywhere is driven off several jobs because white people do not approve of the way he acts; for he does not know how to laugh or talk like "the other niggers.". This was what he learnt when Richard runs into his old classmate, Griggs, who criticizes him for not learning to get around "white folks." Warning that he was already in their black books he told him that he would do well for himself to think before he speaks and, to think before he acts, Griggs reveals that underneath his innocent demeanor, he too hates white people, but keeps it concealed.

Griggs then obtains Richard a position as an intern in an optical shop. The boss, Mr. Crane, a Yankee, hires Richard immediately and he starts earning five dollars a week. Though Mr.Crane, is decent,. Pease and Reynolds ¬ two white workers at the shop ¬keep harassing Richard and causing nothing but trouble for him. Both make degrading racial comments in front of him and threaten to kill him for failing to call Pease "Mister Pease" (even when Richard had not forgotten).In the end Richard who was really serious in learning leaves the job out of fear crying on his last walk home from work.

Richard experiences racial violence firsthand when he begins to work in town. Inexperienced in his new environment, he finds it difficult to act "properly" the way Griggs acts. Even when he tries to conform, he is not subservient enough. Richard must learn to mask his hatred and true feelings to be able to survive.

Richard's next job is that of a helper in a drugstore. But without knowing the right words to say to his white boss, he loses this job soon enough. He grows more conscious of the roles that other Black Boys assume in their jobs. Soon, Richard takes a job as a hall boy at the same hotel where Bob Greenley had been killed by whites. At his job, Richard socializes with the other black workers. To avoid confrontation, Richard had to obey the white watchman and ignore their action when they slapped the behind of one of the maids that he was escorting home one night..

Determined to make more money, Richard sacrifices his morals and begins to sell bootleg liquor to white prostitutes in the hotel.. He takes another job at the theater in town, where he gets involved in a ring scamming tickets. As a ticket collector, Richard saves tickets to re-sell at the front counter. Quickly, he amasses enough money to move out on his own. He does so, promising to send for his mother when he earns enough.

Richard comes to realize the social cycle in the relationship between whites and blacks. The black workers that Richard observes fall into stealing and cheating because they feel justified by the poor treatment they receive from their white bosses. In turn, the white bosses feel justified in their racist attitude to black workers who cheat and steal. Richard then falls in line with the typography when he steals a gun and in concert with others, robs a college store stealing foodstuffs and fruit juice and thereafter leaving Jackson.

In November of 1925, Richard arrives in Memphis, Tennessee ready to live on his own. He walks down Beale Street - a street notorious for its bad reputation - until he sees a large house with a sign: "ROOMS." Not knowing whether it is a boarding house or a whorehouse, he is hesitant to enter until a large "mulatto" woman beckons him in. The woman, Mrs. Moss, lives with her daughter, Bess, in the house.. Both soon strike Richard as the nicest, simplest people he has ever met. Richard secures a room for himself here. They rent the upstairs room to Richard. His landlady, Mrs. Moss, wishes to have Richard marry her daughter, Bess. But Richard shows no interest..

Even when they invite him to eat meals with them,.Richard refuses. He is uncomfortable with the over-loving attitude of Mrs. Moss toward him. Richard is irritated by her "peasant mentality," but is tempted to take advantage of her. When he tells Bess that he wishes to be friends, she decides that she hates him. Although Mrs. Moss and Bess express compassion and love toward Richard, he regards them with contempt. Mrs. Moss and Bess seem simple and uneducated, almost to the point of ignorance to him. They seem to be in a world of their own. With a house of their own, they can afford to live comfortably without being afraid - or even aware - of the racial prejudice of the South.

Remembering his failed attempt at becoming skilled in the optical trade, Richard decides that he will try to break into the trade again in Memphis, which is not such a small town like Jackson. While running errands and washing eyeglasses, he learns how to contain the tension he felt in his relations with whites. "The people of Memphis had an air of relative urbanity that took some of the sharpness off the attitude of whites toward Negroes," but there was tension nonetheless. There, Richard obtains a job at another optical company. His job is progressing until one day, the head foreman ¬ Mr. Olin ¬ lies to him that Harrison another black boy ¬is going to kill him. Mr. Olin constantly tries to provoke the two black boys into killing each other; until finally, he offers them five dollars each if they will box with each other. Harrison and Richard agree, fighting to the point of exhaustion. Richard is afraid that Bess has told her mother about their fight. Mrs. Moss questions Richard why he does not like Bess, saying that she only wishes that her daughter would marry somebody like him. Fed up with her pressures, Richard threatens to move out of the house but both Mrs. Moss and Bess beg him to stay.

Richard finds a job as a cleaning boy at a hotel in town, where he encounters other black boys his age. One boy named.Shorty surprises him by degrading himself,in allowing a white man to kick him in the ass for a quarter. Richard leaves to take a job at the theater, where he is involved in a ticket scam.from which he makes enough to move to Memphis

Meanwhile, Richard finds a dishwashing job at a cafe in Memphis. On his way to work, he encounters another young black man looking for a friend. The two wander down toward the rivers edge and find a bottle of bootlegged liquor which they sell to a white man nearby, agreeing to split the five-dollar profit. It is only when the other boy does not return with the money, Richard realizes that he has been scammed.

With more than he ever had before, Richard is able to buy magazines and books from secondhand bookstores. At his job, he would observe the other Black Boys who work around him. This included Shorty, the fat pale-faced, Chinese-looking boy who operated the elevator. He would entertain the white men by allowing them to kick his behind for a quarter. Other men who worked in the building were: an old man named Edison; his son, John; Dave, the night janitor. They discuss the rules of the whites with a sense of hatred, but accepted their boundaries because they realize the importance of money.

Richard is now reading very widely Harper's, Atlantic Monthly, The American Mercury and other magazines. While reading a critique on a white writer, H.L.Mencken titled "Mencken is A Fool" written by a fellow whiteman, Richard impressed by the criticism on Mencken long noted as a critic of the whites in the south becomes interested in H.L. Mencken. He goes to an Irish-Catholic man Mr. Falk and asks him to lend him his library card as blacks were forbidden from borrowing books from the library. So using this card Wright forged notes to the librarian : "Dear Madam: Will you please let this nigger boy have some books by H. L. Mencken?" Through this method Wright seeks out Mencken's Prejudices and A Book of Prefaces and is particularly impressed by Mencken's iconoclasm and use of words as weapons.Thus entering the realm of literature,. he began to read contemporary American literature as well as commentaries by H. L. Mencken, which struck him with particular force. After reading Mencken's A Book of Prefaces, Richard yearns to know more about the authors he alludes to: Conrad, Lewis, Dostoyevski, Flaubert, Theodore Dreiser, Sinclair Lewis, Sherwood Anderson,the elder Alexander Dumas, Frank Harris, and O. Henry.. Richard sits up in his room, eating out of cans while reading great literary works and feeding his hunger. During these years he read widely as he had decided to become a writer. However, he continued to teach himself, secretly borrowing books from the whites-only library in Memphis. "My days and nights were one long, quiet, continuously contained dream of terror, tension, and anxiety," he later wrote in his autobiography BLACK BOY .

A turning point in Richard's growth and maturation is when he discovers the power of words - a discovery that changes his entire outlook on his own life and those around him. Whereas his hunger had previously consumed him, Richard finally begins to satiate his thirst for knowledge through his reading, learning more than any of his years in formal schooling had ever taught him. Although his reading isolates him even more from those around him and the black community, he develops a profound understanding of himself and his environment.

Soon, Richard decides to leave for the North. That winter, Richard's mother and brother move down to live with him. His brother obtains a job and the two decide to start saving to move North. Richard tells none of the white men on his job of his plans, knowing it would put him in danger. He tries to think of a way to live and refuses to stay in the south, to submit and be a slave, thereby forgetting all what he had read. He wonders how much longer he will have to stay in the South.

Her husband having deserted her Aunt Maggie visits the family in Memphis. Her visit formed a practical basis for Richards plan to move north. Aunt Maggie and Richard would go North first. Richard then told his boss and white co-workers that he was being forced to take his paralyzed mother to Chicago. The white men then warn him that the north is no place for a black man to live. Wright recalls: "This was the culture from which I sprang. This was the terror from which I fled."

In a northbound train, Richard tries to reflect on the various forces that led him up to that point: his isolation from the Southern environment, with the only thing managing to keep him alive being the books he read. But he then realizes that he can never leave the South behind emotionally because it is the South that had raised him. The novel ends with Richard heading North: "With ever watchful eyes and bearing scars, I headed North, full of a hazy notion that life could be lived with dignity, and that the personalities of others should not be violated, that men should be able to confront other men without fear or shame, and that if men were lucky in their living on earth they might win some redeeming meaning for their having struggled and suffered here beneath the stars."

Cop Stops Son From Driving Dying Mom To Hospital Only Blocks Away Because Of Expired Tags!

A Shelby County sheriff's deputy was given a one-day suspension today for using poor judgment when he delayed a man for expired tags while taking his mother to the hospital. Deputy Micah McNinch, who has been with the department since 2006, "made a mistake in judgment" during the March 12 stop of Wayne Ables at Wolfchase Galleria, Sheriff Mark Luttrell said. Ables was trying to get his 83-year-old mother, Vernice Ables, to St. Francis Hospital-Bartlett when he was stopped in the early morning hours. Vernice Ables was gasping for air in the back seat of her son's car because of a lung condition when the deputy stopped them for the expired tags. The hospital was less than a mile away, and Wayne Ables could see the top of the medical building from where he was stopped. Instead of providing an escort for Ables or following him to the hospital and dealing with the ticket there, McNinch asked for Ables' license and proof of insurance. He called for an ambulance at the scene. The sheriff said in the videotape, the Ables family asks for an ambulance, and McNinch asks them if they want him to call an ambulance.



http://www.youtube.com/watch?v=rNPA4pi9FBw&hl=en

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http://www.youtube.com/watch?v=JPZq47r_M5k&hl=en

To Buy Or Not to Buy - Is Renting the Answer?

In the best of times the real estate market can be very confusing, if not just plain overwhelming, and in today's crazy economy, it is even more mystifying. Heavily fluctuating house prices and interest rates are prompting many to ask themselves whether it is better to rent or to purchase a home. There are many factors involved when making this decision. Considering the sense of pride and accomplishment that comes with having your name on the title of your home, emotion is often an overriding element in the decision to purchase a home. Of course financial responsibility/affordability is also a huge component in the process. So how do you know when renting is a better option than buying?

Whether renting is better than buying depends on many factors, including how fast prices are rising and how long you plan to stay in your home. Currently, house prices are at rock bottom and real estate analysts predict a rise in prices will happen at a very slow pace. This means that buying a home as an investment is no longer the motivating factor it once was. So does this mean renting is better? The answer to this is entirely dependant on the region in which you live.

To figure this out from a financial standpoint you can use the Rent Ratio formula to determine which decision makes the most sense. The rent ratio is calculated by dividing the purchase price of a home by 12 months of rent payments on a similar property. If the answer is below 20 then it makes more sense to purchase, above 20 then renting may be the better option. The rent ratio varies significantly from region to region depending on how well the local market has weathered the recent economic storm. Below are some examples from the 4th quarter of 2009, showing the highest, lowest and break-even ratios in the country: (A quick internet search for "rent ratios" will help you determine the situation in your area)

* Oakland, Calif. = 36.3

* Memphis, Tenn. = 20.2

* Pittsburgh, Pa. = 11.7

This formula considers all aspects of buying vs. renting; however, the biggest factor may be how long you plan to stay in your home. A recent comparison done by the NY Times concluded that buying a $172,000 dollar home vs. renting a home for $1,100/mnth will be beneficial only if you stay in the home for 7 years or more, with a total savings of $5,314, or $759/yr.

If your motivation for buying a home is to have a place to call your own, and you are not overly concerned with making a profit on the property in the short term, then making the purchase may be the right thing to do. If you consider buying a home as strictly an investment, you may want to put your money elsewhere.

Cheaper car insurance and how to find

cheapest car insurance is essential to the economy today. We still have to maintain insurance accurate and complete, but at the same time, we need a protein bar and promote insurance policies and working relationships with insurance agents of us. cheapest car insurance is not only smart, it's a great savings tool that everyone should know how to search and apply to their daily lives.

Cheaper carsInsurance> is not too difficult to find as you think. There are many ads have a lower cost to the car, sure, but the truth is that almost all car insurance companies can offer a cheaper policy only through the rationalization of the scope its insurance.

The requirements for a higher deductible is a great way to decrease total cost of your insurance. coverage remains adequate and complete, you simply select one of the many pockets in the front in casean accident. Ask yourself: "If you have an accident, and cost less than five dollars, you can file with your insurance?" Your If the answer is, then you can have a policy for the policy requirements cheap car insurance deductible is $ 100 within five years. It can be fixed to implement fiscal policies, even a thousand dollar deductible and save more.

There are many additional roles of each insurance policy outside additional costs to consumers that anyone who signs for car insurance has thoroughly read through the policy before agreeing to pay higher insurance premiums.

cheaper car insurance does not mean less coverage, but much less expensive and not you. With the understanding, the store for less than the cost of your insurance policy and you will soon find that even insurance companies can present their support for a better priceauto insurance policy>. You are not a caveman to do this, and you do not have to choose which insurance company hired to promote a gecko to save a significant amount of insurance.

As time goes forward and your car is old and no longer leads to a warehouse or a loan against, may drop the full coverage. wide coverage is used to repair your vehicle in case of accident, and if your car older and lessvaluable as the value of their insurance, you may be paying more premiums than the car is worth. How liability insurance is the only completely legal and compliant state insurance law and a low transport costs to make. Cheapest car insurance to drive an older car, even through smarter than you might think.

Choose an insurance agent trust and friendly is good business, and a great way to choose isask friends, neighbors and townspeople have their car insurance. Security numbers to apply for the insurance company. Something that many people have insurance policies do not know, a number of disasters car victim occurred in the area where you live affect establishments closed their automobile insurance. Even if you have a clean driving record, in which we live affect your insurance costs. Ask your insurance agent howto avoid excessive fines higher premiums.

Dr. Rants favor health reform

Ed Uthman, MD, has been a practicing physician for 32 years and has worked in the health care field for 41 years, starting at age 16 as a nursing assistant in a 30-bed hospital. He is currently in private practice in Houston but previously worked in academic medicine. He is past-president of the Houston Society of Clinical Pathologists and has served as Deputy State Commissioner for Inspection and Accreditation of the College of American Pathologists. He holds a bachelor's degree in biology from Rhodes College and an MD degree from the University of Tennessee, Memphis. He is the author of the book, _Understanding Anemia_ (University Press of Mississippi, 1998). ADDENDUM By way of follow-up, the case of the 30-something woman I mentioned in the video turns out to be even worse than I suspected at the time. Further workup shows this tumor to be a sarcomatoid carcinoma of the gallbladder, which has invaded into her liver. Even if she got chemo and radiation now, any relief would be temporary; eventually the tumor would get her. HOWEVER, I spoke with her primary care physician yesterday, and he told me he saw her two years ago and made a diagnosis of gallstones. She was a candidate to have her gallbladder removed at the time, but the public hospital who is contracted to care for our county's poor had no beds, so she was not accepted. She continued to suffer with her pains until last week, when she came to my hospital with the cancer. Had her gallbladder been removed in 2007 ...



http://www.youtube.com/watch?v=ZFJEn4KwmRI&hl=en

Discount Car Insurance for Women

Today, a woman is great. You get to balance work and family life as never before, and you get more and more equality with men at work. In addition, some statistical data on safety and they are still biased in favor of women, which means sometimes there are many car insurance discounts available just because you're a woman. Here are some discounts you can expect to get if you have two X chromosomes

On the one hand, you may receivea base rate cheapest car insurance that a man with a similar vehicle, age, and driving record. Because statistics show that women tend to be less accidents and they often receive fewer violations, insurance companies generally considered low-risk women than men to secure. That does not mean, of course, you'll get better rates whenever a man or you will be able to get cheaper insurance rates if you have multiple tickets oraccident in your case, but with a relatively clean record, your insurance will be cheaper to start than a man.

There are many women who live alone for a while now before getting married or living with a partner. If you're in this situation and need to buy homeowners or renters insurance with your car, you can get discounts for buying two of the same company. One thing to note is that the discount can notnecessarily go out of their insurance premiums. Some companies will take a bit of both premium and some will have more discount off any heavy premium on car insurance save money on homeowners insurance. Either way, however, you can ensure many objects with the same insurance company.

The longer you keep it clean driving record, too, the more you save on auto insurance. Many auto insurance Discounts are based solely on your driving record. Even if you have a few brand names in the stupid things he did as a teenager, however, will disappear from your record in a few years. If you have a clean record for over three years, you can expect to get some very deep discounts on your auto insurance. This discount is not available for women only, of course, but they are becoming easier and easier to find for many women who need to find ways to save on your carInsurance>.

The People's Court- "Letting a Dad Down" Part 2

http://www.youtube.com/watch?v=D0k3qS_dTJg&hl=en

DUI Car Insurance - Yikes!

DUI Car Insurance ... You could waste a great deal of time trying to find DUI car insurance that puts you with a reputable auto insurance company and is willing to offer you "reasonable rates". Let me help to make it easier and faster.

The rates for your auto insurance coverage just went up, significantly if you have managed to land yourself with a DUI or DWI. Why? Risk! You have just become a major concern and risk to the auto insurance companies in general and they all do not offer DUI car insurance.

Most often you will be dropped from your current carrier and you must begin the search for new coverage. Or you discover the company you are currently with is willing to keep you on board with them, but at an enormous rate hike. Another reason to begin the search to find a better deal if that's even possible.

It's possible your insurance carrier has dropped you flat if you find yourself on the following list in the driving arena:

A drunk driving violation.

Driving without insurance.

You have a poor credit history.

Multiple accident claims.

Multiple tickets.

Received a notice from the DMV requiring a SR-22 filing.

Do you even know what a SR-22 Insurance Filing for a DUI or DWI violation is? If you got one you do and you need to fill it out and file it or you will not be reinstated into the driving arena without one.

An SR22 form provides proof that high risk drivers have obtained auto insurance that meets minimum liability requirements. And it makes sure your automobile insurance company will let the DMV know if your policy lapses - and that's for any reason. This SR22 normally lasts three years.

Most standard auto insurance carriers do not typically offer SR22 insurance fillings for DUI and DWI offenders. You need to begin you search for companies who handle high-risk or non-standard policies.

There are several companies that offer to "broker" your business for you. It comes with a cost to them and all of the costs involved in the DUI coverage with the companies they are aware of and put you with.

Sometimes it's better to find them on your own and save that extra fee for the companies that want to help, since it's simply additional cost. However, if the cost is not a problem they can save you some leg-work.

If your into keeping the costs of the very expensive situation down to the best that can be expected under your circumstances then the internet and online surfing is the way to go. It's fast & private.

There are several auto insurance companies that can offer you these high-risk types of coverage and provide a free online quote, to boot.

Keep in mind that the bare minimum you will need when this is all settled is your basic liability coverage is required for any vehicle you own. Non-owner liability must usually be purchased even if you do not own a vehicle. Many states require uninsured motorist coverage, too. And last but not least, any outstanding fines for moving violations and parking tickets must be paid and a reinstatement fee is required by the DMV.

Yikes! It's a lot to think about. Want more tips and where to find some decent auto insurance companies that can help with high-risk and DUI Car Insurance? Get a free quote at this popular website Auto Insurance Companies Free Quote, http://www.auto-insurance-companies-free-quote.com

College Students Start Saving Money

www.shopaisle19.com Not only can College students save money by shopping at Aisle19 but, they are making extra cash by sharing the secret of Aisle19... I found this great article for college students to read.. Schools back in session, and with it come life-lessons in money management for students. But personal finance can be easy, even if youre just starting out. You just have to know how it works. All of the following are concepts I wish I had known before heading to college. Money Management Now that youre on your own, you might be tempted to spend money on all the things your parents wouldnt let you have before. Go slow. If you play it smart, you can avoid the sort of money troubles that plague many young adults. Join a credit union. Dont just sign up for a random bank giving away t-shirts or frisbees at registration. Track down a credit union in town, or do some research into online banks. Dont get a credit card unless you absolutely need one. Dont be a sucker. Those guys sitting behind the sign-up table are not there to help you. Theyre there to make money. Avoid non-academic debt. It might seem like a good idea to put that Xbox on a credit card, but its not. Focus on developing good money skills with cash. Worry about credit later. Save and then splurge. If you decide you must have that Xbox, then save for it. Wait until you can pay cash. Pay your bills on time. Basic advice, but its surprising how many people lose track of things. If you pay your bills as they ...



http://www.youtube.com/watch?v=aNAWi6jSodc&hl=en

Texas Car Insurance Requirements

In regards to car insurance requirements in texas, you must have a minimum of $15,000 to cover damages an accident causes other property; $20,000 to cover any bodily injury or death of one person per accident; and $40,000 to cover any bodily injury or death of two or more persons per accident. You can meet the texas car insurance requirements by purchasing a policy from a car insurance company licensed to do insurance business in texas, or you may want to post a self-bond - set aside enough money to meet the car insurance requirements in Texas.

Self-bonding, or self-insuring, to meet the Texas car insurance requirements does have its advantages. First, you do not have to worry about whether or not it is going to be difficult to get insurance - if you are providing it, it is already there! You also do not have to concern yourself with premiums, making payments on time, or renewal and cancellation in the matter of being self-insured.

When you meet the Texas car insurance requirements with a self-bond or self-insurance, you are also free to purchase additional car insurance coverage from a traditional car insurance company. By keeping your self-insurance stash in mind, you can pick and choose what car insurance coverage you want to purchase.

Self-bonding, or self-insuring, is not actually the most efficient way to meet the car insurance requirements in Texas, but it is an option - an option that many people choose. The most common reason people choose the option of self-bonding to satisfy the Texas car insurance requirements is because they feel they are uninsurable. A bad driving record, a flawed credit report, and a sketchy history of making payments are all factors Texans believe make them uninsurable; however, these are factors that can and do improve in time, and the self-bonded individual may want to switch to a traditional car insurance policy in Texas once these factors have improved.

Ferrell Law Firm - Statute of Limitations for Memphis Personal Injury Cases

LawFerrell.com - Don't expect the same result or settlement as your neighbor. When it comes to personal injury cases each and every one is different. Memphis personal injury lawyer James Ferrell discusses how two cases with the same injury can have vastly different outcomes and settlements.



http://www.youtube.com/watch?v=zgAsyIKfEGY&hl=en

Affordable Health Insurance in Tennessee

Affordable health insurance in Tennessee can be obtained through Cover Tennessee, a volunteer health insurance in Tennessee which is not only affordable to the state, but is also affordable to participants of Cover Tennessee. Cover Tennessee is designed to provide affordable and obtainable health care coverage for Tennessee residents who are without health insurance because they can not afford to purchase a health plan, or because they can afford to purchase a health plan but are continually turned down for health coverage due to a pre-existing health condition or severe ill health.

States across America are struggling to help their residents find affordable health insurance. Some Americans can not afford health insurance at all, while some can afford health insurance but can not obtain it because it seems that all health insurance companies they consult deem them "uninsurable." Tennessee recognizes that children and adults alike are in need of affordable health insurance as well as coverage for prescription medication; therefore Tennessee has developed Cover Tennessee, a program similar to other health insurance and health care programs developed by other states throughout America.

Cover Tennessee is actually comparable to a gigantic umbrella, housing the five different "parts" of the Cover Tennessee health insurance coverage: CoverTN, CoverKids, CoverRx, AccessTN, and ProjectDiabetes. Thanks to each of these Cover Tennessee components, uninsured individuals, including children, can obtain adequate and affordable health insurance in Tennessee as well as coverage for prescription medication. Also, school-aged children learn about healthy eating habits to prevent diabetes and obesity through ProjectDiabetes.

To find out more information about Cover Tennessee and its various health insurance coverage programs, visit Tennessee's Department of Commerce and Insurance Web site or give them a call. You can also visit the official Cover Tennessee Web site at CoverTN.org or call them at 866-CoverTN.

Everyone deserves affordable health insurance, and the Cover Tennessee program is working toward making it possible for Tennessee residents to obtain it.

OSP Financial Expo 2010: Credit Restoration

Thinking about building a new home... but you're not sure if your credit is good enough??? Then come to the Financial Expo at Old St. Paul MB Church/504 S. 8th St./West Memphis, AR 72301... and find out how you can get your credit back on track!!! Do you have questions about restoring your credit, buidling/purchasing a home, planning for retirement, or other financial matters? Come to the OSP Financial Expo 2010 and get these questions (and more) answered by the experts themselves! This event is FREE and open to the public. Vendors will include representatives from: Anthony's Funeral Home Coleman's Investment Advisors, Inc. Credit Restoration and Education Services Edward Jones Farm Bureau Insurance Four Seasons Realty Iberia Bank Mortgage Nicks Construction Regions Bank ReMax Realty Windsor Healthcare Old St. Paul MB Churh 504 S. 8th St West Memphis, AR 72301 870.735.0941 www.oldstpaul.org Frederick S. Anthony, Sr. Pastor "Growing People and Glorifying God" This event is sponsored by the Men's Ministry of Old St. Paul. dmg OSPAVMedia



http://www.youtube.com/watch?v=21qShjqdxfE&hl=en

Bargain Markets For Homebuyers and Investors

Since 2007, foreclosures and short sales have littered the real estate market and drove down the price of property and home values. The upside to the down housing market is that homebuyers and investors can find sweet deals in some of the nation's most sought after cities.

If cities like Milwaukee, Memphis, Baltimore and the Big D interest you, then you'll find a honey of a home in any of these metro areas. Though the initial listing price may begin at what properties are currently valued, they are often reduced from 26 to 33 percent. The top ten U.S. cities with the listings discounted the most include the following:

* Milwaukee, WI - 33 percent
* Phoenix, AZ - 31 percent
* Mesa, AZ - 31 percent
* Memphis, TN - 31 percent
* Baltimore, MD - 30 percent
* Jacksonville, FL - 30 percent
* Dallas, TX - 29 percent
* Minneapolis, MN - 29 percent
* Tucson, AZ - 27 percent
* Columbus, OH - 26 percent

Falling in the first quarter by 4.3 percent, Milwaukee home values continue to lose ground, but the number of home listings is huge. In fact, Milwaukee has the most real estate listings of any city in the state. As of April 2010, the average home in Milwaukee was valued at $144,609, which is making buying real estate in this city much more affordable. Add to it a 31 percent reduction on the listing, and you could buy a home there for only $99,780.

Phoenix was on a top ten list in 2008 for being one of the cities hardest hit by the real estate bust. In the first quarter of 2009, property values were still going down, tumbling by almost 20 percent. Economists predict that the city has a looming shadow inventory getting ready to hit the market soon and will drive values down even further. Standard & Poor's Case Schiller Study showed Mesa home values were on the ever-so-slight rise by last quarter 2009 and into first quarter of 2010. As of April, the average estimated value of Mesa homes is around $133,664.

According to the most recent Clear Capitol market report, the River City was noted with the most sales in the nation of foreclosed property by lenders in the first quarter of 2010. It resulted in an 18.1 percent drop in Memphis home values from year-end 2009. Baltimore and Jacksonville tie for having a 30 percent reduction in the listing price. The median listing prices are $250,000 and $189,900, respectively.

In earlier 2010, foreclosures were still climbing in Dallas; although, at a slower pace than in the recent past. By May, foreclosure filings dropped for the second straight month. That's good news for Dallas real estate value and could indicate the beginning of a recovery. Minneapolis showed a 24.7 decrease in inventory compared to the same time in mid-April 2009. It looks like the housing market in the Twin City might be leveling out, since new listings are still on the decline. What that means for buyers is that home listing prices could soon be on the rise, so now would be the time to buy.

Median home values for Tucson continue to decline and currently sit at around $192,000. That's almost a 4 percent drop since January 2010. Housing inventory is about the same as it was this time the previous year. Columbus appears to be leveling out somewhat in median home values staying steady at $159,900 since the beginning of year. That's still a decline of 5.9 percent from the same time last year, but the inventory is decreasing, so these may be indicators that the market is beginning to level off. The dream of buying a quality, affordable home has become much more attainable. Falling home values, along with reductions in listing prices, lowers the cost to a more manageable price point.

Meanwhile, there are four other markets that did not experience a decline in home values in 2010 that were among those hardest hit nationwide by the housing bust. San Diego and Detroit both showed an increase, along with Los Angeles and San Diego. These cities, along with previously mentioned Phoenix, are now at the top of the list for cities recovering in the housing market.

3710 Barberry Turnkey Property Rented for $650 a Month.mp4

Nice cash flow on this turnkey investment property that is currently rented for $650 a month. Yearly taxes are $1102. Insurance is estimated at $350. Property Managment is in place for $60 a month. Net ROI potential is approx 17%. Tenant has been in the property for 1 year and is looking to renew the lease. Sales Price: $33000 Bed/Bath: 3 / 1.5 Appraised Value: $59000* *based on current market.



http://www.youtube.com/watch?v=gppqnkXK4Vw&hl=en

Your Pet's Age and Pet Insurance Premiums

While researching the pet insurance industry, I was amazed at how different premiums were when obtaining a quote for my pet. Of course, some of the variation depends on what's covered and what's not covered as well as the maximum payouts, etc. But, you'd be surprised how different the premiums can be for relatively the same coverage.

What's really interesting is how much premiums rise with some companies as your pet ages. There can be huge differences. So, as you are doing your research, be sure and obtain quotes not only for your pet's current age, but for ages 8, 10, 12, 14, etc. Some insurance companies don't issue new policies on pets at these higher ages, so you may have to call the company and ask what the premium would be when your pet reaches these ages (obviously at today's rates). While it won't be an accurate amount for many years in the future (inflation), it will give you an idea about how the company's premiums rise due to the age of the pet.

Some companies keep premiums level until about age 8 or 10 when they start to rise. Some companies raises premiums gradually every year as your pet ages. Some companies raise premiums every few years. There is at least one company that doesn't raise premiums at all as your pet ages.

While how much premiums rise as your pet ages isn't as important as some other factors when selecting the best company to insure your pet, it is something you should look at when comparing companies.

Child Safety Seat Inspection To Be Held In Georgia

What is one of the leading causes of death for children?

Let us just say that being in car crashes and other vehicular accidents has been known and has been proven to be the leading cause of death for children and infants. Sometimes, during accidents and crashes, the grown ups walk out of the vehicle alive but only with a few injuries. However, not all children passengers are lucky enough.

That is why organizations have found this to be quite alarming. And as part of their campaign so as to reduce the number of children who die in vehicular crashes and accidents, they would be holding a child safety seat inspection event in the state of Georgia. Those who sponsored and organized the event include 21st Century Insurance, the Department of Public Safety for the state of Georgia, John W. Oxendine who is the Insurance Commissioner, and the Georgia's Governor's Office of Highway Safety department. During the mentioned event, these organizations would be informing those who join and attend the event that it is really important for parents and grown ups to follow the given laws regarding child safety restraints.

There would be certified technicians during the aforementioned event. These people would be doing child safety seat inspections. They would also be checking if these child safety seats have been properly installed and mounted. So if you live in Georgia, you may want to be part of the event and let your child safety seats be checked. That way, you can rest assured that even if you do meet accidents along the road, your child would be protected well.

According to the laws in Georgia, children who are under six years old are required to be seated in a child safety seat or even a booster seat. Of course, the child safety seat or the booster seat should be just right for the child's weight and height. You can browse through the Internet regarding the given specifications for these seats. The law in Georgia also mandates that children who are six years old and below should be seated in the rear of the vehicle and not in the front.

This is a really good move on the part of the organizers and also a very beneficial event for parents and drivers. Perhaps if organizations would also hold events like this which would be checking your vehicle's Saturn auto parts and see if they need replacement or not, many lives would sure be saved.

How To Find Out If You Have A Warrant For Arrest

Do you know how to find out about warrant for your arrest?

Do you know if there are any warrants for your arrest outstanding? Have you checked lately? There are a number of reasons why warrants may have been placed on you and you might not even be aware of it. If you do have warrants and you ignore them it could prove costly for you when they finally catch up and arrest you. So how do you find out if you have a warrant for arrest?

There might be warrants issued against you for some very simple reasons. You might have some unpaid parking tickets that you've forgotten about. Perhaps you missed a court appearance or there's been a clerical error at the courthouse. You might even be a suspect in a crime and they simply haven't been able to find you yet.

Ways to find out if you have a warrant for arrest - Ask a police officer

The easiest way to find out if you have a warrant for arrest is to ask a police officer. They will access their databases and will be able to tell you quickly and at no cost to you. No cost that is unless you do have a warrant against you and they decide to arrest you on the spot. If you don't like the idea of possibly being arrested then don't ask a police officer.

Visit your courthouse

If you suspect that you have a warrant for arrest and you know which area it would have been issued in then go and ask at the relevant courthouse. They will be able to tell you if you've been issued with any and you probably won't get arrested unless the crime is serious. This approach is less effective if the warrant was issued elsewhere.

Use an online service

You can now find out if you have warrants for arrest anywhere in the US by using an online website. All the public databases you need are now available to you in an easy to access and affordable way. In addition, they are completely confidential so there is no possibility of you getting arrested by using them.

If you simply ignore the possibility that you may have warrants for your arrest they will catch up to you eventually by which time the fines and costs could be substantial. Don't take the risk, find out if you have a warrant for arrest now.

Affordable Health Insurance in Tennessee

Affordable health insurance in Tennessee can be obtained through Cover Tennessee, a volunteer health insurance in Tennessee which is not only affordable to the state, but is also affordable to participants of Cover Tennessee. Cover Tennessee is designed to provide affordable and obtainable health care coverage for Tennessee residents who are without health insurance because they can not afford to purchase a health plan, or because they can afford to purchase a health plan but are continually turned down for health coverage due to a pre-existing health condition or severe ill health.

States across America are struggling to help their residents find affordable health insurance. Some Americans can not afford health insurance at all, while some can afford health insurance but can not obtain it because it seems that all health insurance companies they consult deem them "uninsurable." Tennessee recognizes that children and adults alike are in need of affordable health insurance as well as coverage for prescription medication; therefore Tennessee has developed Cover Tennessee, a program similar to other health insurance and health care programs developed by other states throughout America.

Cover Tennessee is actually comparable to a gigantic umbrella, housing the five different "parts" of the Cover Tennessee health insurance coverage: CoverTN, CoverKids, CoverRx, AccessTN, and ProjectDiabetes. Thanks to each of these Cover Tennessee components, uninsured individuals, including children, can obtain adequate and affordable health insurance in Tennessee as well as coverage for prescription medication. Also, school-aged children learn about healthy eating habits to prevent diabetes and obesity through ProjectDiabetes.

To find out more information about Cover Tennessee and its various health insurance coverage programs, visit Tennessee's Department of Commerce and Insurance Web site or give them a call. You can also visit the official Cover Tennessee Web site at CoverTN.org or call them at 866-CoverTN.

Everyone deserves affordable health insurance, and the Cover Tennessee program is working toward making it possible for Tennessee residents to obtain it.

Richard Wright Moving Northwards to Chicago, Away From the Segregation of the South

Richard now struggles to survive on his own, refusing to follow in the footsteps of others by becoming a slave,subservient or accommodating with Southern attitudes. Rather, he attempts to flee to the North to escape the prejudice of the South so as to discover for himself a new world beyond. His moving to the North, by train, was thus the beginning of a new life for him.

By so doing, Richard fled, along with masses of other blacks the racism, poverty, and lynch laws of the rural South, bound for Chicago, in hope of finding a better life there. His .Aunt Maggie, who had come down for a visit, joined Richard for the journey by train to Chicago, while his mother and brother returned to Jackson.

On first arriving in Chicago, Richard is taken aback by the city-life and its new social codes. On the streetcar, he observes with surprise a white man sitting next to him unbothered about his color.

Richard feels relieved at last from the brutal environment created by the South. For the North seemed like one which represented opportunity and freedom for him. Wright sees interesting juxtapositions between happenings in Chicago with events from his childhood in the South. In Chicago, Richard must learn to adapt to a new environment, where "color hate" is less prominent and racial boundaries do not control him.

Richard soon finds Chicago to be stimulating and less racially oppressive.Richard is finally able to see instances where people are not blinded by race. But he is presented with other problems. Richard must learn that prejudices are easily adopted. He is subject to mistreatment because of his education, his intellect, his socioeconomic background, as well as his political stance.

Richard soon finds a job as a porter in a delicatessen owned by a Jewish couple: Mr. and Mrs. Hoffman. Richard, tuned by the conditions of life in the South, cannot act naturally with the Hoffmans, as he keeps lying to them. He still feels he must abide by Southern social rules that are applied to blacks. He lies to cover up his own insecurity. For he is unable to comprehend any social interaction with whites beyond the brutal and hateful relationships he has witnessed in the South.

After working for a short time there, Richard hears of a job opening for a postal clerk which required him to take an examination on the following Monday. Unsure of how to approach his bosses to ask for a day off, he simply skips a day and lies to them on his return that his mother had died in Memphis.

After a week, Richard obtains a job as a dishwasher in a North Side café that had just opened. There he is often accidentally bumped into by white girls who sometimes even ask him to tie their aprons for them. He thus realizes that they are free from race-consciousness.

Richard is then employed as a postal clerk, and meets an Irish fellow whom he can relate to. He is eventually introduced into a literary circle with connections to the Communist Party. Richard thus joins the John Reed Club - a Communist organization for the arts ¬ in hopes of learning to write and publish.

Even in Chicago, Richard's actions are conditioned by the social lessons he has learned in the South. After reading a magazine American Mercury, the boss lady enters the kitchen and asks him where he found it and if he understood it. Richard lies that he "found" it instead of saying that he purchased it. Thereafter, he keeps his books and magazines wrapped in newspaper so that no one would question him.

One day, when walking by the kitchen stove in the café, Richard notices that Tillie - the Finnish cook spat into a pot of boiling soup. Afraid that the boss will not believe him if he should report her, he instead tells another black girl who works at the café. At first the girl could not believe, but spies on the cook herself to verify the report. Having verified it, both are now afraid that the boss lady will not believe them. Upon being told, at first, the boss tells the girl that she is crazy. But after she spies on Tillie, who proceeds to spit in the food yet again, she fires her.

In June, Richard is called in for temporary duty in the post office as a postal clerk, at that time the only place educated blacks could find work. But securing a permanent appointment requires that he passes a physical examination where the weight requirement is 125 lbs. So Richard strove to increase his weight by all available means. But no matter how much he eats, he is unable to gain weight. Richard is forced to look for another job. Meanwhile, his mother and brother have come to live in Aunt Maggie's apartment. Aunt Maggie constantly criticizes Richard's reading and studying, and after he loses his postal job, she regards him as a failure. So Richard decides to invite his Aunt Cleo to share an apartment with him, his mother, and his brother. At night, he reads books and tries to satisfy his hunger for gaining much insight on his life and the lives around

Richard is finally able to obtain a permanent night job as a postal clerk after forcing himself to eat. The resulting increased pay allowed them to move into a larger apartment and to start buying better food. Having moved into four rooms at Vincennes Avenue he could now read and write regularly in relative comfort. Though he dislikes the bureaucracy of the post office, he becomes friendly with many fellow workers, both black and white, some schoolmates from the South.

During the day, he attends meetings of local black literary groups, experiments with stream-of-consciousness writing and attempts to understand the "many modes of Negro behavior" through his writing. .He also befriends an Irish young man with whom he has a lot in common, both sharing each other's cynicism and beliefs.

Richard also begins to examine several black groups. This includes a black literary group on Chicago's South Side which he finds almost bohemian and too absorbed with sex for his comfort. Richard thus feels distant from its middle class members. Richard also meets a group called the "Garveyites," an organization of black men and women who seek to return to Africa. He observes their passionate "rejection of America," an emotion that he shares. But despite their similar emotional dynamic, Richard pities them for their inability to realize that Africa is really not their home. He views the Garveyites as naïve for not realizing that Africa is under European imperialism, and that they have already merged too much with the West to return to native Africa. So he did not join it.

Meanwhile, Richard begins to hear of the Communist Party's activities, but pays no heed to it as well. When the 1929 stock crash occurs, and volumes of mails drop, his working hours decrease. His pay also decreases with no positions open for a regular clerk. He eventually loses his job at the post office, but is rehired the following summer for temporary work. The Southside sinks into economic depression.

Aunt Cleo suffers from a cardiac condition, his mother becomes ill, and his brother develops stomach ulcers. A distant cousin offers Richard a job selling insurance, which he accepts. During the year, Richard works for burial as well as insurance societies catering toward blacks. His job allows him, for the first time, to explore the lives of black people in Chicago. But Richard seems to be constantly discouraged by the black culture that exists in his environment. He sells insurance policies to poor illiterate black families, men, and women. Like the plantation families of the South the people he encounters in Chicago seem to him as simpletons. Women who are unable to make regular insurance payments could easily negotiate their way out through giving sexual favors. Through that Richard has a long affair with a young woman obsessed with seeing the circus. She is portrayed as childish and almost stupid, for the only relationships she seemed capable of maintaining were sexual and as Richard observes, her intelligence is simple and limited. Not only did the insurance agents view women as property, but they swindled them out of money by switching policy deeds. Wright writes: "I was in and out of many Negro homes each day and I knew that the Negroes were lost, ignorant, sick in mind and body."

Richard now reads books recommended by a friend William Harper (who will later own a bookstore on the South Side). Amongst the numerous writers, Wright is particularly impressed by Dreiser and Joseph Conrad and spurred on to continue to write. Richard Wright's short story "Superstition" is published in April Abbott's Monthly Magazine, a black journal.

After collecting his premiums in the afternoon, Richard visits the Washington Park where many unemployed black people gather to listen to Communist speakers. He is baffled and angered by the black Communist movement, noticing that in appearance, speech, and mannerisms they attempt to copy from white Communists. Richard criticizes the fact that the speakers adopt the styles of black preachers and tend to over-dramatize the militancy of the masses. Wright questions the understanding of the Communists as well as the abilities of black men and women to solve their social problems.

Richard whilst serving as an assistant to a black Republican precinct captain during the mayoral elections on Election Day stands in the polling booth and realizes the corruption of the entire political process. There and then on the face of his ballots, he scribbles: "I Protest This Fraud."

Meanwhile, the depression having grown worse, Richard is forced to move his family into a small dingy rented apartment. There one morning, his mother tells him there is no food for breakfast, and he must go to the Cook County Bureau of Public Welfare to beg for bread.

Richard begins to assess his social isolation.. His isolation follows him into manhood; just as he found no camaraderie among other black children as a boy, Richard is unable to fit in to any black political or social group. Throughout Black Boy, Wright questions whether the black community is educated enough and strong enough to unify themselves and overcome racial barriers and oppression. Here, he conveys a tone of disappointment because he doubts whether the majority of the black community possess enough insight regarding their social situation. To him, the Garveyites are naïve in their wish to return to Africa. To him, the Negro literary groups are passionless and twisted, and even immature. But when Wright writes that he "caught a glimpse of the potential strength of the American Negro," he shows that he has not lost all hope yet.

Tax Help For Small Business Owners

Tax tips and tax help to assist taxpayers by describing options for tax reduction and tax cuts through lawful tax deductions.

Small business owners need all the tax help which is available. Tax deductions allow small business owners to keep more of what they earn. With a 35% marginal tax rate, the government is a silent partner who takes no risk and over one-third of the profits. Tax deductions are neither simple, straight forward, or intuitive. However, the effort to increase tax deductions is well worth the effort.

Tax Help Tip 1: Tax deductions reduce taxable income for small business owners but do not directly reduce federal income taxes. (Tax credits, such as low income housing investment tax credits, directly reduce federal income taxes) Both cash and non-cash tax deductions merit review.

Tax Help Tip 2: Cash disbursements can be expensed (used as a tax deduction in the current year) or depreciated (capitalized and depreciated or amortized over a period of years). Due to the judgment required to determine what should be capitalized, there is some discretion. For example, a local gang paints graffiti on a portion of the side of your building. You decide to repaint the entire side of the building instead of just the portion with graffiti. Is this a repair (can be used as a tax deduction) or should it be capitalized (and depreciated over time)? Some owners would elect to expense repainting the entire building. Business owners should seek counsel from their advisor regarding discretionary tax deductions.

Tax Help Tip 3: Real estate provides bountiful tax deductions for small business owners. Most real estate owners inadvertently understate depreciation and thus forego available tax deductions. The common practice is to simply separate land and long-life property (depreciated over 39 years for commercial property and 27.5 years for rental residential property). Real estate owners can typically increase depreciation by 50-100% in the first 5-7 years of ownership by utilizing cost segregation. Cost segregation can separate up to 130 items that can be depreciated over 5, 7, or 15 years (instead of 27.5-39 years). These short-life items typically comprise about 20-40% of the improvement cost basis. The increased depreciation increases tax deductions.

Cost segregation can be utilized for recently purchased or built properties and for properties owned for a period of years (1/1/87 or later). Long-term real estate owners can claim a one-time tax deduction windfall using catch-up depreciation.

Tax Help Tip 4: After a cost segregation study is prepared, the owner can "catch-up" previously under-reported depreciation (without filing any amended tax returns).

Tax Help Tip 5: Another source of "hidden" tax deductions is a careful review of your fixed asset schedule. Many fixed asset schedule include items which should have been expensed or which have been discarded (or should be thrown away). Misclassified items are another source of additional tax deduction. In some cases the depreciation life for an asset has been overstated through clerical error. A fixed asset audit typically generates meaningful tax deductions.

Other Tax Help Articles: Other non-cash sources of tax deductions are amortization, casualty losses, and charitable contributions, which are addressed in separate articles. Planning tax deductions requires a modest effort but the rewards are worth the effort. You work hard to serve your clients and earn a profit; don't give more than is legally required to your silent partner.

Cost segregation produces tax deductions and reduces federal income taxes across the country and in every size market. Below are just a few examples of cities where cost segregation generates meaningful tax deductions.

City:

Memphis, TN Baltimore, MD Las Vegas, NV Boston, MA Miami, FL New Orleans, LA Atlanta, GA Washington, DC Phoenix, AZ Houston, TX Albuquerque, NM Sacramento, CA Sarasota, FL Salt Lake City, UT Albany, NY Virginia Beach, VA Oxnard, CA New Haven, CT Chicago, IL Kansas City, MO Buffalo, NY Jackson, MS Tucson, AZ Raleigh, NC Dayton, OH Pittsburgh, PA Scranton, PA Jacksonville, TN Portland, OR Birmingham, AL Cost segregation produces tax deductions for virtually all property types, including the following:

Property Type:

Veterinary clinic Single-tenant retail Auto dealer Amusement park Community shopping center Convenience store Airplane hangar Research and development Shopping mall Office warehouse Almost every industry, including the following, can generate cost-efficient tax deductions by using cost segregation.

Industry:

Arts, Entertainment, and Recreation Frozen food manufacturing Real estate lesser Plastic and rubber products manufacturing Warehousing and storage Building supply dealers Electronic and appliance stores Food and beverage stores Durable good wholesalers Electrical component manufacturing

House Session 2010-04-13 (20:35:28-21:38:30)

www.c-spanarchives.org



http://www.youtube.com/watch?v=-rd0BFTIzmE&hl=en

WHEN GOD IS IN ON YOUR SIDE .mpg

Reverend Floyd E. Brown Sr., Th. D discusses the advantages of having God on your side. He points out that just as Allstate Insurance reminds us to, " Don't leave home without it "; we have an even greater assurance in God.



http://www.youtube.com/watch?v=xOVgRRUzS1I&hl=en