Congressman Cohen heard Elizabeth Edwards on the need for medical reform the law on bankruptcy

This morning, the House Judiciary Subcommittee on Commercial and Administrative Law (CAL), chaired by Congressman Steve Cohen (TN-9), heard from Elizabeth Edwards, a leading voice for health care reform. She testified on the pressing need for medical bankruptcy reform. More than 107000 Ninth District residents, nearly 17 percent of our population, have no access to health insurance. An even greater number dont have enough health insurance. These families are one medical crisis away from losing their homes, their savings, in debt and they just can not leave the fallen. The only remedy is the registration of medical bankruptcy. Last year more than 4300 components that terrible decision.



http://www.youtube.com/watch?v=tTt5a7jFH3o&hl=en

Beat card

Brian thebriancook.com to a police officer with 17 years experience in Memphis, Tennessee, and he discussed what to do when stopped, and as legally beat the pass with the lease of a lawyer. Note: This is Brian's experience otherwise.



http://www.youtube.com/watch?v=yqskt2yHPF0&hl=en

Andrew Allagree Superman

Andrew Allagree encephalitis fund. theannefrankproject.chipin.com apps.facebook.com OR



http://www.youtube.com/watch?v=IOrCOLDT3LA&hl=en

Insurance and Billing Department at the specialties of ophthalmology group

Eye group of specialties accepts virtually all insurance companies and Medicare and offers for the planned operations (eg, LASIK), so that everyone can benefit visibility funding.



http://www.youtube.com/watch?v=eu29TpjptJ4&hl=en

How to pay for health care of your pet.

I get about 10 veterinary journals to read every month. Sometimes when I read case studies about pets who have had a serious problem or disease, I say to myself, "I can only imagine what that must have cost the pet owner!" Dr. Barry Kipperman, an internist who practices at a 24 hour facility in California, says that he frequently hears pet owners say, "I had no idea it would ever cost this much to save my dog's life."

Pets Best Insurance reviewed its reimbursements over $500 and found that:

54% are for regular veterinary care

35% are for specialist care

11% are for emergency clinic care

This means that almost half of significant veterinary bills will occur outside your regular veterinarian's office. Many clients don't even think about having to visit anyone but their regular veterinarian, but odds are at some point you will have to take your pet to an after-hours emergency hospital. Most major cities have one or more emergency hospitals where pet owners can take their pets when their regular veterinarian is closed during evenings, weekends, and holidays. The emergency hospital's fees are likely to be higher than your regular veterinarian's fees because, by definition, most emergencies are potentially life-threatening and require intensive care.

Since the best methods for handling some problems and diseases require greater expertise or more advanced technology than your regular veterinarian may have - at some point you will also likely be referred to a specialist. For example, some invasive tumors are best managed by having a CT scan or MRI done in order to plan the surgical procedure and insure that all of the tumor is removed. Some complex medical problems are best handled by an internist who sees and manages these problems much more frequently than your regular veterinarian, and many times the pet should have 24 hour (around the clock) monitoring and treatment to have the best chance for a successful outcome. Because specialists have more advanced expertise and have access to more advanced technology, their fees are higher.

As a practicing veterinarian, I offer the following advice to pet owners about how they can be prepared to pay for their pet's healthcare:

1) Prevention - the best way to save money on your pet's healthcare is to prevent serious and/or life-threatening problems or diseases from occurring in the first place. Not all problems or diseases are preventable, but I'm saddened to say that many of the problems or diseases that I see week in and week out could have been easily and inexpensively prevented. My number one bit of advice to pet owners that has the potential to save them thousands of dollars and even save their pet's life is - anytime your pet is outside your house or fenced yard, have it on a leash. Also, develop a relationship with a veterinarian and follow his or her wellness protocols.

2) Pet Insurance - if you are self-insured (have thousands of dollars in your bank account or in discretionary income), you don't need insurance. However, many pet owners will benefit from purchasing pet insurance if they choose a company and policy wisely. I recommend getting a policy that will help you with the unexpected and big bills (those you can't afford), not necessarily the smaller bills you can afford to pay out-of-pocket. You can usually get a lower premium by doing so. I don't recommend getting a policy with wellness care benefits because usually this coverage isn't cost effective. You usually know what your annual/semi-annual wellness exam, vaccinations, dental prophy, heartworm and flea preventatives cost and can plan for them.

3) credit card and/or Emergency Fund (Savings Account) - even if you have pet insurance, you will still have to pay a deductible and co-pay and for any procedures that aren't covered by the policy. You will need either adequate savings or a credit line sufficient to allow you to pay your vet bill, file a claim and then receive a reimbursement check from the insurance company. A credit card allows you to do this and usually enough time to receive reimbursement from the insurance company before the credit card bill is due. You will also need funds to pay for your wellness (preventative) care out-of-pocket.

One credit card that works well for most pet owners is CareCredit. They offer several no-interest payment plans. Some of our clients use this card exclusively for their pet's healthcare needs. It is also accepted by both local emergency hospitals and a specialty hospital.

One question that comes up a lot is, "Which is better, a savings account or pet insurance?" In most situations the answer is both and not either/or. Those people who recommend a savings account over pet insurance don't live in the real world that I see every day as a veterinarian. Why? What happens if 2 months into your savings plan, your pet needs care that costs $5,000? Believe me, this happens and is why you purchase pet insurance and/or have a line of credit.

Using these 3 methods to save on your pet's healthcare expenses will keep you from being in a situation where your pet needs potentially life-saving and expensive treatment that you aren't prepared to pay for.

Auto Plan Walking Man.wmv

Auto Plan Insurance - car insurance ad-Memphis, Tennessee



http://www.youtube.com/watch?v=4l5BS_ZIvXI&hl=en

From tax to help 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 BAF. Far Lo, NY Jackson, MS Tucson, AZ Raleigh, NC Dayton, OH Pittsburgh, PA Scranton, PA Jacksonville, TN Portland, OR Birmingham, share the cost of manufacturing Al-tax on vehicles of all types of property and that this

Type of Property.

Veterinary Clinic only - tenantretail 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 Shops, restaurants and beverage wholesalers durable parts for power generation.

Senior Living at the Germantown Plantation

Germantown, TN, is a small yet vibrant community in the mid south. The Senior Citizens Advisory Commission of Germantown is currently composed of nine members and three ex-officio members. The commission is restricted to Germantown residents who are 55 years of age and above, and is therefore best placed to cater for the needs of its senior citizens.

As a service to the community, the Senior Citizens Advisory Commission produces a calendar of senior activities and programs that are available to all senior citizens. For example, a sample of events are (but are not restricted to) activities such as Breakfast Clubs, Tai Chi, line dancing classes, drama classes plus a large range of other entertainment and relaxation activities. The list of available activities is certainly very impressive, and caters for most tastes and requirements.

The Commission also researches Senior resources and services. The kind of services that are available range from topics relating to medical, homemaking, and health aid to educational, recreational, and volunteer opportunities. This information is helpful for local seniors and for residents who are planning to move a senior citizen to the greater Memphis area

For those adventurers who still prefer to seek out their own entertainment, Germantown offers a wide range of social centres and outdoor activities. Germantown has two dozen parks, sports complexes and other green spaces, covering more than 700 acres of recreational land. They provide athletic fields and courts, picnic areas, biking/walking trails and playgrounds, reflecting a Parks and Recreation department goal of placing recreational and leisure opportunities within a half mile of every home.

The amenities offered are first class, with a very diverse range of activities and pursuits to keep all ages and interests occupied both mentally and physically. For those looking to see out retirement in surroundings that are not only beautiful, but uplifting as well, could do worse than investigate the Germantown Plantation in Tennessee.

How to Obtain Your Proof of Auto Insurance

Proof of auto insurance is important and necessary for various reasons. You need to get this after you purchase auto insurance. Try to always keep handy your proof of auto insurance or ID at all time so that when it comes time to present it, you can easily access it. You can get your proof of insurance after you purchase auto coverage from your insurance company.

If you want to drive a car or other vehicle, then it is mandatory to have proof of auto insurance so that no questions are asked. If ever you get pulled over by a law enforcement official or are involved in an accident, you should show proof that you have your auto insurance. Insurance is important to all people who have cars since having insurance leaves you peace of mind if ever an accident occurs.

Auto insurance with the best coverage is expensive and we all know that, but in the long run it will be cheaper. When you have an accident, then you don't have any problems since the insurance company will handle or shoulder all the expense of the accident from liability to property damage.

After purchasing auto coverage, always ask for proof of insurance in order for you to be safe. If ever there is an accident or mishap that occurs you'll need to present proof that your car is insured. Do not hesitate to ask for this from your insurance company after you purchase your coverage.

If you don't have time to roam around to shop for car insurance you can go online through the internet to shop. But always be alert and careful since not all websites are real or legitimate. There are also frauds on the internet. Be sure to purchase your coverage online only from a reliable and reputable insurance company.

Remember that there is also fake proof of insurance through the internet. So be alert always when shopping online. Do it slowly but surely when you purchase auto insurance online. But before you purchase it, always compare the prices from one company to the next.

People always want for the best and for sure you also want the best insurance for your car and yourself. Not all companies have the same rates on their coverage options. If you are patient enough to shop, you can find a company that has a good reputation at a cheap price.

Just take the time to shop. Take it slowly, plan for it and compare not only the price but always the benefits you get and the coverage. Also ask for the proof of auto insurance after you purchase it because without that proof, you could face fines and even go to jail if ever you ever have an accident.

Memphis Relocation

Many people need to relocate for educational purposes, job transfers or for personal reasons. Relocation to any place requires proper planning. Before relocating, people must have a fair idea of the cultural background, the language spoken, the climate, the surrounding areas, and the standard of living of that place. People can utilize the services of Movers, job locators, and furniture rentals to reduce the stress of relocating. Several directories offer a state by state listing of these services. Many moving companies specialize in moving and relocating to Memphis.

Memphis is one of the major metropolitan cities in the state of Tennessee. It is also known by the name of "Bluff City" due to the high banks overlooking the Mississippi River. Memphis offers a relatively low cost of living. Many people prefer to relocate to Memphis owing to its temperate climate, greenery and state of the art amenities.

Relocating services have their own areas of expertise. Some specialize in real estate, while others specialize in moving and packing. Relocating services in Memphis can provide help in buying and selling properties in Memphis. They have Web sites that include information about tax statistics and insurance rates. Such Web sites also provide useful links to local Colleges, Universities and various places of tourist interest. Many relocation services in Memphis also offer mortgage and home loan assistance.

A wide range of affordable housing is available in Memphis to suit almost any lifestyle. Upscale houses include high-rise apartments and renovated downtown lofts overlooking the river. People can also choose houses from, an endless range of single-family homes in metropolitan, suburban, and rural areas of Memphis.

Relocating services in Memphis provide information to locals, tourists, and visitors who wish to relocate to Memphis. The relocation staff also offers invaluable assistance in corporate relocation services, and management of corporate owned homes.

People can obtain a variety of estimates and free quotes, from various relocating services to compare prices. Relocating services in Memphis, also assist newcomers to compare the cost of living in Memphis to any other place.

Church Thomas Insurance - Memphis, TN

Church Thomas Insurance 901-818-0145 www.yellowbook.com



http://www.youtube.com/watch?v=p_0Be30cJH4&hl=en

Secrets of Paddlewheel Cruises

For an unusual and distinctly American cruise experience, paddlewheel cruises can offer you a chance to see a different and slower side of the United States.

The paddlewheeler may sound as American as apple pie and it certainly conjures up thoughts of Mississippi gamblers, dance hall girls, and the American frontier. However, paddlewheel ships actually originated in China and can be found all over the world. Americans in the 19th century took the ancient concept of using a paddlewheel and made two improvements: they moved the wheel to the stern or back of the ship (ancient Chinese vessels had the wheel in the front) and they powered these new vessels with the steam engine.

You can book a paddlewheel cruise from a few different lines. Some of them also feature old-fashioned furnishings and a staff in period costumes. You may also be treated to some themed events during your cruise.

Paddleboats cruised the Mississippi in the 19th century, but most of these ships were working vessels. They carried merchandise as well as passengers up and down the river. Some of the best known ports on the route include St. Louis and Memphis, but the Mississippi runs as far north as Minneapolis and as far south as New Orleans, where it empties into the Gulf of Mexico.

Accommodations on these modern versions of paddlewheel cruises tend to go back to the style of the day when travel was more leisurely but also a bit grander. Expect stately touches on the ship and modern amenities along with antique furnishings. One does not grab a bite on a steamboat; it's more typical to dine. While paddlewheelers today do accommodate our modern preference for the casual lifestyle, this is about as far from the "barefoot" cruise as you can get.

In their day, the American steamboats frequently offered gambling, entertainment that for its day was considered racy, and music from a calliope. A calliope is a very loud, steam-operated instrument most frequently associated with the circus. You'll find them on some steamboat cruises today, along with lots of music in the evenings (the type depends a lot on the cruise you take).

Before the Civil War, many Southern plantations along the Mississippi were deliberately built on the river so that they could send their crops more easily to market. Cruising by paddlewheeler allows you to see some of these antebellum mansions the way they were meant to be viewed ... by a party approaching on the river.

Even many Southern cities on the Mississippi were built to be visited not by land but by waterway. The grand dame of all river cities in the United States remains New Orleans. Katrina notwithstanding, New Orleans is back. You can visit the French Quarter (which abuts the Mississippi River) and at least one major cruise line is using New Orleans again as a port.

Probably the best known line for this type of cruise vacation is Majestic America, which offers Mississippi River and other paddlewheel cruises ([http://www.majesticamericaline.com]).

Paddlewheels also are frequently used on shorter day trips. Brunch cruises, short sightseeing cruises, or even day-long cruises can be found all over the country (including in Orlando, a landlocked city). While this can be a great way to sample the experience of a steamboat trip without committing to a cruise, it's not going to be as true a steamboat experience as a multi-day journey on the river.

These smaller ships may seem old-fashioned, but they are actually more maneuverable than larger vessels. Captains typically have a bit more latitude in setting their course and itinerary, meaning that depending on the time of year and the river conditions, the captain may be able to travel to slightly different areas to get the best views of wildlife or other sites of interest.

Don't expect to find lots of passengers; a steamboat cruise will take only a few dozen to possibly a few hundred passengers on any one trip. This means that passengers on a steamboat cruise will get to know each other, interact with each other, and actually rediscover the pastime of conversation. While you won't find as many activities on a steamboat as on a large cruise ship (there won't be a miniature golf course, ice-skating rink, or rock wall), you will find more opportunities to get to know other people.

Since steamboats have always been known for their music, you can usually expect lots of rollicking evening entertainment, from jazz cruises on the Mississippi to other dance bands in the North. Steamboats may be nostalgic and stately but they aren't quiet, especially at night.

And while the Mississippi River cruise has to be the quintessential steamboat experience, you'll also find river cruises that go as far north as Minnesota, Pennsylvania, Washington state and even Alaska. The Alaskan cruises, in particular, boast that they can access ports and areas that are off-limits to the larger cruise ships.

Whether you're looking for a red-white-and-blue cruise experience or just as slightly different spin on the traditional cruise vacation, a paddlewheel cruise in the U.S.A. offers a wonderful vacation experience.

Enhancing The Value Of Your Life - Life Settlements

If you're 70 or older you can sell your life policy for more than the cash value. 877.588.5558 www.settlementsforlife.com



http://www.youtube.com/watch?v=_zpaMwxhR04&hl=en

Minivan Offset Impact Testing - Part 1

I was transferred to Minivan Operations in February 1991 after completing my work on the Dodge-Cummins diesel engine Ram pickup truck: links.veronicachapman.com I was added to the mailing list at the Insurance Institute for Highway Safety (IIHS) by then-director Brian O'Neill later that year. The issue of offset crash protection was the primary conversation between O'Neill and I during the four years I worked in Minivan Operations. In 1992 we (Chrysler) became aware that Ford's new minivan, code-named "WIN-88", was being developed with offset protection. I had extensive discussions about this competitive safety challenge prior to and during my later tenure as Chairman of the Chrysler Safety Leadership Team (SLT). In 1993 I funded minivan consumer focus group research to solicit their opinon regarding offset crash tesing and development. The consumer was UNANIMOUS, all wanted their vehicles to protect them in the offset crash mode. Note pages 16 and 17 here: links.veronicachapman.com On numerous ocassions the SLT recommended to upper and engineering management the the new Chrysler minivan, code-named "NS-Body", be developed with offset impact protection (like the Ford WIN-88, aka Windstar) as a "Priority A" item; see pages 10, 11, 13 and 19 here: links.veronicachapman.com These recommendations were repeatedly rejected by engineering management: www.youtube.com and upper management: www.youtube.com I testified as a "General Automotive Safety Management Expert" (GASME) in ...



http://www.youtube.com/watch?v=QMXbPBq1d3A&hl=en

More Exciting Deals, More High Quality, and Dependable Parts

With great pride, Auto Parts Fast announces its new fresh-looking, neatly designed, easy to navigate and secure site. With its fervent dedication to continue to refine its services, this top auto parts store redesigns its former site to give you more satisfying online shopping for high quality replacement auto parts.

Satisfaction - this is what the store wants you to get - satisfaction not only with regard to its auto parts' quality, durability and affordability but also when it comes to the manner of purchasing these high quality automotive products. Auto Parts Fast. cultivates a mutually beneficial relationship with auto users by providing the finest quality auto parts including top of the line Toyota parts, Honda parts, Nissan parts, Ford parts, Jeep parts, BMW parts, Mazda parts , GMC parts, Volkswagen parts and Pontiac parts and by providing them excellent customer service, secure online shop and excellent deals.

New to the site are its comprehensive web directory and useful information and links to wide variety of auto resources ranging from specific auto parts information, to top sites on various vehicle makes and models, car enthusiasts and hobbyists' sites, used and vintage auto parts resources, car restoration information, hardware accessories resources and auto insurance.

The newly designed site is hacker-free so you can shop with confidence any time. It is being tested and certified daily to pass the FBI/SANS Internet Security Test. You can see there a HACKER SAFE mark, which means its security meets the highest security scanning standards of the U.S. government, Visa, MasterCard, American Express, Discover and JCB.

Convenience - this word can excellently sums up everything about this newly designed site. It makes your shopping a lot easier, faster and safer. Available auto parts are easy to locate either by make or by their model year. In just a few clicks, you can find just what you need for your car, sport utility, van or truck. Links to customer service assistants and auto parts experts are also provided to help you in your needs.

All these new features are incorporated in the newly redesigned site to make your online transactions seamlessly fast and convenient. But Auto Parts Fast doesn't end its services with the new site design. Make it a habit to drop by at the online store to know all its latest deals and exciting new features. Because as the automotive industry grows, Auto Parts Fast just gets better and better.

Knowing how fast changing the automotive industry is, the company does its best to cope with the latest in the industry by upgrading its inventory and catering to a wider range of auto users. Hence, together with the newly designed site, the company improves its list of auto parts, adding parts for hard-to-find premium quality Mercedes Benz parts, Chevy parts, Dodge parts, GM parts, Saturn parts and Volvo parts.

Over 100,000 quality replacement and aftermarket auto parts are in stock at Auto Parts Fast and soon, Auto Parts Fast will be adding premium quality parts for the latest models, especially its top-notch replacement parts, aftermarket auto parts and car accessories such as the luxurious-looking Toyota tail lights, Ford headlights, elegant Jeep floor mats, tough and stylish Chevrolet wheels, high quality Dodge mirrors, alloy Volvo radiators and sporty Honda wheel covers.

Check out the store's new design now and find the best replacement parts to make your car more fuel efficient, more powerful, safer, more comfortable and more stylish. At Auto Parts Fast, you always get great choices.

Rent a Car Or Get a Free Car

Car rental centers are on the rise recently. In these days, it becomes very easy to rent a car throughout the world. Renting a car for travel can save your much money. If you can not afford a new car, rental car is your choice.

It must be a great investment for people to rent a car. You can get a suitable vehicle without spending a large sum of money. Maybe you will wonder if these cars are in good condition. Take it easy. Many companies will keep their car in good working condition, which is a good business sense. In this way, they can make a profit. When you rent a car, you can ask some professional mechanics to help you with inspection. You will benefit lots from renting a car.

Besides renting a car, there is another option for you to get a convenient vehicle for travel. You can participate to the free car programs, which are offered by the companies for the purpose of advertising. Many advertising companies will offer free car with ads on the outside of the car. You just need to pay for the oil and car insurance. In most time, you have to drive in the busy roads or areas as required in the agreement. But in the rest of time, you can use the car as you like. Join to get a free car and you will benefit lots from these programs.

Leasing a car or applying a free car depends on your own situation. You can choose one as you like.

Miller Insurance Agency - Memphis Area Wide, TN

Miller Insurance Agency 662-655-1031 www.yellowbook.com



http://www.youtube.com/watch?v=YTS4gABKgNM&hl=en

Congressman Cohen said abnegation bordering accretion Fund

Congressman Steve Cohen opposes plans for some executives, members of funding from American Recovery and Reinvestment Act to refuse.



http://www.youtube.com/watch?v=pke8Borsd-4&hl=en

Special Finance Money Down Car Dealers

Being asked to put down money for a car loan when you have bad credit, is like a the hospital asking you to pay cash for a $3,000.00 procedure because you don't have health insurance. If you had $3,000.00 laying around, don't you think that you'd have money for health insurance? People with bad credit usually have credit problems because they haven't had enough money to pay bills. So, why would someone with credit problems be asked to put down a down payment at a car dealership? It makes no logical sense, at all.

Fortunately, there are sources that you can use to get a special finance car loan with no money down and it's definitely not at a dealership. You can get approved for a new car with no money down if you just use the right lender. Not the right car dealership, but the right lender. It's all about the loan company.

Not all lenders are the same and they vary tremendously, in regards to their requirements and standards to issue a loan. If they were all the same, you would be either approved or declined at all of them. So it's logical that there are different lenders with different credit requirements. The simple way to get a car loan with no money down is simply to use the right loan company. There are sources on the internet that can help you do that and it's faster and less expensive than you think. It's less expensive in that you'll get lower payments, lower interest rates and eliminate the need to pay cash in advance if you use the correct lender. car dealerships are not the answer.

Altima Hybrid 2007, a part of Nissan.

All-new Nissan Altima, classified as an Advanced Technology-Partial Zero Emissions Vehicle (AT-PZEV), is the automaker's first entry into the hybrid vehicle segment. Said vehicle made its debut at the 2007 Model Orange County Auto Show in Anaheim, California. The auto show has started last October 4. It is expected to end on the 8th of this month.

The powertrain of Nissan Altima Hybrid mates the 2.5-liter 4-cylinder engine and electronic Continuously Variable Transmission (eCVT) with an electric motor and generator that increases fuel economy while maintaining low tailpipe emissions. As a fact, its net power with fuel economy is estimated at 41/36 mpg city/highway. For this reason, critics are saying that Altima Hybrid can very compete with Toyota Camry at 40/38 mpg city/highway. Altima Hybrid's 20-gallon tank is estimated to accommodate a 700-mile drive.

Altima hybrid offers style, comfort, convenience and power. It features the four-cylinder engine of Altima but it was blended to an electric engine that is capable of producing 198 horsepower. Features also include quality Nissan parts to alleviate fuel economy and lessen emissions. Other factors that support enhanced gas mileage include automatic transmission and continuously variable transmission.

Altima Hybrid will be available in early 2007 at 8 states only. Purchases will be entertained after the introduction of the 2007 Altima 2.5-liter 4-cylinder and 3.5-liter V6 gasoline-powered vehicles.

Compassion for the environment coupled with passionate driving is Alma Hybrid's charm. These reasons are expected to make it rule in its segment. Moreover, said model also exudes expressive styling in both its exterior and interior parts. The vehicle is also certified to meet the requirements of California emissions rules.

Nissan Altima Hybrid is the latest environmental automotive initiative from the automaker. It can be recalled that Nissan was the first to introduce a The zero-emission vehicle (PZEV) - Nissan Sentra boasts exhibits what a new Altima Hybrid.

Rinspeed Cayman: Great reptile scales an Elegant

The established sophistication of Porsche Cayman is made more powerful in its Rinspeed version. The latter combines excellent aerodynamic package and car performance. The aura is likened to that of a captivating reptile with scales all over. The design is based from the Indy look, which has become famous because of the 997 model series.

Rinspeed Cayman uses the revolutionary Porsche wheels made of aluminum alloys for high-performance driving. The prominent 5-spoke wheels got their merits from innumerable wheel upgrades and designs. Since the inception of high-performance wheels, Porsche defines its set of wheels by making them blend with the excellent drive feel.

The interior of Porsche Cayman is enhanced by a sporty steering wheel, aluminum pedals sets, aluminum shift knob, emergency brake system to create a more attractive reptile. Lesonal, German paint manufacturer, is responsible for the orange color effect of the car. Said paint effect gives the car a domineering, dynamic and aggressive look of a reptile at rage.

New side skirts are also given to Rinspeed Cayman. These skirts features a carbon diffuser insert. The exchangeable rear skirt inserts tolerate center or dual exhaust systems. In their entirety, the skirts have made the car appeared sleeker and lowered.

To round up the excitement among car fanatics, Porsche has incorporated first-rate metal catalytic converters, headers, parking lights and stainless steel exhaust systems. To add up to its reptile concept, the suspension is lowered by 25mm. Rinspeed Cayman comes with a suspension kit which is tailored to the PASM system.

Cayman manifests Porsche love of curves. The car is engineered to become muscular, sporty yet sculpted. The twists and turns in the design concept made it more appealing to the aficionados. Like an adorable yet full of wrath reptile, Rinspeed Cayman emanates endurance, speed, agility and finesse. The impressive acceleration performance and looks just as we must create the look of disbelief from passersby.

exhilarating driving performance, high standards of technology, driving quieter, cleaner air and a comfortable driving can be experienced in this fascinating reptile car.

Ted Kennedy on health in 1978

Ted Kennedy speaking about health care in 1978. Health care is a right, not a privilege. come to party NO time on board and show solidarity with the American people, not corporate health workers and their big pharmaceutical companies.



http://www.youtube.com/watch?v=LhYtMmw9OVk&hl=en

Memphis Insurance Quote Auto 2of2

www.MemphisInsuranceQuotes.net allows users to get more auto insurance quotes Memphis with a form. We might memphis auto insurance agents compete for your business. The video shows how to get the best rate for your auto insurance memphis.



http://www.youtube.com/watch?v=sElH75uTSE0&hl=en

3698 Townes Memphis, TN 38122.mp4

3698 Townes is a 2 bedroom 1 bath property that underwent a total renovation that has the house looking brand new. What does brand new look like? How about new windows, new security doors, new back door, outside/inside paint, new counter tops and faucets, plumbing upgrades to include washer and dryer connections, electrical update to include 220 outlet for dryer, new kitchen and bathroom floor and refurbish of the hardwood floors throughout. Cosmetic improvements such as new blinds and outlet covers are just a few lifestyle touches added to the property. Not to mention a new hotwater tank too. The investor who purchases this property is purchasing a turnkey property in the truest since of the meaning. We expect the property to rent for $525 - $575. Yearly taxes are dirt cheap at $652 a year. Insurance will run around $175. Fantastic Return!



http://www.youtube.com/watch?v=ecP5IwbUQ80&hl=en

Rep. Cohen Speaks in Support of Financial Rescue Package

Congressman Steve Cohen speaks on the Floor of the House to rally support for the passage of the financial rescue package. He commends his colleagues for adopting an FDIC insurance coverage increase to $250000 to help small businesses and community banks, a proposal he offered on Monday, September 22nd, in a bill he introduced called the Individual Depositor and Community Bank Protection Act of 2008 (HR 6986).



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