PostHeaderIcon Living Off The Grid Review Cut Monthly Expenses To Live A Debt Free Life

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By Dennis Eisenhower

Have you ever thought of a life where you live free of paying for utilities such as the monthly electricity bill or paying for fuel for your vehicle? Apart from cutting off your power supply or stopping the usage of your car you might not arrive at a possible solution. But, is there such a solution to living off the grid and help cut expenses while still meeting all your requirements? There is such a solution as according to the creators of the website known as Living Off the Grid.

The suggestions of the creators of the website have many plausible solutions to having a life living off the grid. It is definitely plausible as this family who owns the website having been living off these ideas for the past fifteen years or so now. Their suggestions will help you not only live off the grid but also help you save a lot on your monthly expenditure. Not only this, the solutions provided by the creators of the website are totally environment friendly so it will help you make a contribution to saving the planet.

The family started living off the grid in the year 1993 and had no guidelines to follow in making them debt free as well as arriving at solutions to make their dreams possible. They began doing extensive research in every aspect to use renewable energy solutions and living the way they wanted to.

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After years of research and beginning to arrive at various solutions through trial and error they wished to convey their findings to one and all and began a print magazine by name Off Grid Living that was eventually discontinued due to hardships they faced in meeting many expenses for postage and printing.

Eventually, all their findings began to find its way onto the internet through their website they created and they also began to provide details of their ways to living off the grid by writing various books the first of which was Renewable Energy Solutions that enables a person to learn about the way in which renewable energy sources can be used in everyday living.

Apart from this, all their findings on living off the grid has found its way into a total of five books in addition to an enormous amount of information on the website on the various changes you can undertake to live your life off the grid. Some of the other books that are made available include Building your own home, Making use of bio diesel to run your vehicle as well as heating for your home, Building and Installation of Solar Panels and Building a Wind Generator.

If you visit the website of Living off the Grid, you not only get to enjoy all the various suggestions that are available to live the lifestyle this family has adapted, you enjoy the advantage of making yourself and your family debt free at the earliest and begin your bit to help make the environment more friendly.

All the five books that are available to you through living off the grid can be purchased individually or collectively for an attractive discount price that cuts off half the actual price. By opting to purchase these products and using the valuable suggestions and methods to help you live off the grid, you will soon begin to enjoy the debt free life that you always have dreamed about.

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NFL: Brett Favre traded to the New York Jets

Thursday, August 7, 2008

Quarterback Brett Favre has been traded to the New York Jets for a conditional fourth-round draft selection in the 2009 NFL Draft. The trade was later confirmed by ESPN and the Jets themselves. The multiple National Football League record-holder was the starting quarterback of the Green Bay Packers from 1992 to the end of the 2007 NFL season. Favre, 38, announced his retirement on March 6, 2008 after much speculation over his future.

After a long dispute with the Packers’ management, Favre was reinstated by the NFL and was pursued in trade discussions with the Jets and Tampa Bay Buccaneers. The Jets were much more aggressive than the Buccaneers in their pursuit of Favre all along, offering a conditional fourth-round draft choice in the 2009 NFL Draft which could be promoted to a first-round selection based on performance criteria.

“Brett has had a long and storied career in Green Bay, and the Packers owe him a tremendous debt of gratitude for everything he accomplished,” the Packers said in a press release. Jets general manager Mike Tannenbaum said of the trade, “We just felt like this was an opportunity to go get somebody of Brett’s stature and what he’s accomplished.”

The trade caps a roller-coaster off-season ride for Favre and the franchise that became synonymous with his legendary No. 4 jersey, which was planned to be retired in the Packers’ home opening game. Favre’s on-again, off-again retirement has monopolized headlines for the past two months as news began trickling to the media that the legendary passer was second-guessing both his retirement decision and his status in Green Bay. Favre was offered a $20 million dollar marketing contract from the Packers to remain retired.

Now, the Jets may have to clear cap space in order to have Favre on their roster — who is due to make $12 million this season — which may call for the release of Chad Pennington. A comment from Jets GM Tannenbaum all but confirmed the release of Pennington. “It’s a bittersweet moment for us. I have all the respect in the world for Chad as a person, as a player,” Tannenbaum said, adding that an announcement on a transaction involving Pennington will come later Thursday.

The Packer’s official website states that they will be holding press conferences at noon and 2:00 p.m. CDT and more information will be released then.

Bush to Propose Major Overhaul of Social Security Benefits

Tuesday, January 4, 2005

Republicans and lobbyists close to President George W. Bush have reported that the White House will propose changing the formula for establishing initial Social Security benefit levels in order to cut guaranteed expenditures on future retirees, according to today’s Washington Post. The Social Security Administration would no longer use the increase in wages over a worker’s lifetime to calculate retirees’ first-year benefits but would use inflation rates instead. The new “price indexing” formula will reduce individual benefits and overall Social Security outlays because the inflation rate typically is much lower than the rise in wages. The full impact of the change will be felt in the middle of the century.

The Bush Administration proposal, which will be offered to Congress in February or March 2005, is part of an overall Social Security reform package that also would create “personal investment accounts” into which individual taxpayers could divert part of their payroll taxes. The White House believes that the shortfall in benefits created by the adoption of price indexing would be made up by capital gains from the stocks and bonds held by individual taxpayers in their personal investment accounts.

The move is akin to the private sector’s migration from defined benefit retirement plans to defined contribution benefit plans such as 401(k)s as almost half of a worker’s benefits will not be guaranteed by the year 2075. President Bush will support the move to price indexing for calculating initial benefits by pointing out that it was the approach recommended by his 2001 Commission to Strengthen Social Security.

Benefits currently are calculated by averaging a worker’s earnings in their 35 highest-paid years and adjusting earnings to factor in cost of living standards at the worker’s retirement age. Under the Bush proposal, rather than adjusting benefits on the basis of earnings growth, the calculation would be based on the increase in the consumer price index over those years.

The implementation of “price indexing” would cut future Social Security costs by trillions of dollars. However, the cuts in guaranteed benefits for middle-class and some high-income workers would be substantial: 9.9% for workers retiring in 2022, over 25% for workers retiring in 2042, and 46% for workers retiring in 2075.

Opponents of the price-indexing proposal point out that inflation-based calculations of benefits, by linking benefits to prices but not wage levels, would cut retirees out from future increases in living standards since it is wages and not prices that determine standards of living. While American Association of Retired Persons (AARP) Policy Director John Rother concedes that many of the arguments of opponents are valid, price indexing is inevitable and must be viewed in the context of President Bush’s total reform package.

Rother points out that Social Security benefits, which currently equal 42 percent of the earnings of an average worker retiring at age 65, would be reduced to 20% of pre-retirement earnings for future retirees, thus potentially freezing retirees into today’s standard of living. However, Rother says that price indexing has to be linked to Bush’s private investment accounts as income from the accounts give retirees the chance to make up the shortfalls.

Commonwealth Bank of Australia CEO apologies for financial planning scandal

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

PostHeaderIcon Homes Is Where The Heart Is}

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Submitted by: Adrianna Notton

Regardless of whether or not consumers rent or buy homes, there are positive sides to either decision. People may choose to rent a room or rent a house; however, people typically rent an apartment or buy a home. Investing in furniture can be expense; but, consumers should find ways to save money when buying furniture. It size of the house or the size of the apartment is going to depend on what fits the needs of the family. Consumers should consider certain things when looking for their next house. Ultimately, the house will be what the family makes of it.

If a consumer cannot buy a house; than renting is definitely a good option for this person. A huge benefit in renting an apartment is the renter is not responsible for house repairs as that falls on the homeowner. When people rent this usually means there are neighbors nearby; this is a benefit because neighbors can rely on each for help. Another nice thing about renting is if the people move out, then do not have to worry about will move in the place next as this is the homeowner’s job. Usually the renter just has to notify the homeowner thirty days before moving out.

When a homeowner can afford to buy a house, the homeowner feels great that or she owns the place as it a big accomplishment. Another nice thing about owning a home is that there usually are not any close neighbors; which means that the homeowner is free to make a lot of noise with a TV, drum set, or with an other loud piece of equipment. The consumer will outright own the house when the mortgage is fully paid; this is big mild stone for the homeowner.

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There are ways to be thrifty when investing in furniture for the house; this usually needed because the consumer needs to invest in a lot of furniture for their place. During specific times of the year, there are great furniture sales; this is the best time to buy these items. Another option may be to go to consignment stores and go to online auctions websites for used furniture. Some stores allow shoppers to do an option where they rent the furniture but eventually buy the items in a certain amount of months. It is a smart idea to know the prices of several stores before deciding on which items to buy.

Two factors to consider when deicing which house is right for that particular family is monthly income and family size.The final decision will be what fits the needs of the consumer and his family. If there aren’t going to be too many people living in the house, than renting may be the best option as a couple only needs one bedroom. If money is tight, than a living may be used a child’s bedroom. Bigger families are going to need bedroom and more space in general. The size of the house will depend on the monthly family income.

People need to feel safe within their house, so the neighborhood should be a big factor as which house is the right one. There should be an appropriate amount of bedrooms for everyone that live in the house. The family will also have to consider what will work with their monthly income as it important to compare the monthly bills with how much the family makes in a month. Everyone is looking for something different a home, so the final decision will depend of these factors. These factors may include: a decently sized yard, a big kitchen, and much more.

It is a huge responsibility to buy a house as the responsibly is on the homeowner; they have to fix any problem that goes wrong in the house. These problems include but certainly are not limited to: yard work, broken appliance, oil, regular house bills, etc. All these bills are something to consider as the monthly income has to cover the debt. Renting may be a better option if the monthly income cannot cover the debt.

In short, the people who live in the house make the composition of the homes. There are benefits for renting an apartment and there are benefits of buying a house. The ultimate decision for which option is appropriate for one particular family will depend on monthly paychecks and the size of the family. A consumer may choose to buy a smaller place in a good neighborhood rather than a bigger place in a bad neighborhood. The final decision is up to the family!

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UK Chancellor of the Exchequer makes 2005 Budget speech

Wednesday, March 16, 2005

The United Kingdom Chancellor of the Exchequer, the Right Honourable Gordon Brown PC MP, in a speech to the British House of Commons today presented his ninth Budget, what is very likely to be his last Budget before the next UK General Election. This opened the parliamentary debate on the 2005 Finance Bill, and was followed by responses from the opposition parties.

In a 48 minute long speech, the Chancellor presented a Budget of “tax cuts that are reasonable, spending that is affordable, and [economic] stability that is paramount”, that was “the prudent course for Britain”. There were few surprises that had not already been indicated in his 2004 pre-Budget report. The increase in the threshold on stamp duty was greater than that forecast by commentators, as was the amount of the Council Tax rebate to households with pensioners.


  • 1 The Budget in detail
    • 1.1 Duty
    • 1.2 Taxes
    • 1.3 Benefits
    • 1.4 Business
    • 1.5 Employment
    • 1.6 Savings
    • 1.7 Spending
    • 1.8 Memorials
  • 2 Responses from opposition parties
    • 2.1 Conservative
    • 2.2 Liberal Democrat
  • 3 Sources

Kenya government fires health worker strikers over failure to ‘report back to work’

Saturday, March 10, 2012

The Kenyan government has dismissed 25,000 striking health workers, mostly nurses, citing failure to heed government orders to recommence work and concern for the welfare of hospital patients. Speaking on behalf of the government, Alfred Mutua stated the workers were dismissed “illegally striking” and “[defying] the directive … to report back to work”, which he called “unethical”. The government asks that “[a]ll qualified health professionals, who are unemployed and/or retired have been advised to report to their nearest health facility for interviews and deployment”, Mutua stated.

The workers, who had been on strike for four days, were wishing to have improvements made to their wages, working conditions, and allowances. The strikes have caused a significant number of Kenyan hospitals to cease operations. According to Kenya Health Professionals Society spokesperson Alex Orina, the average monthly wage plus allowances for health workers in Kenya is KSh25,000 (£193, US$302 or €230) approximately. With an increasing number of reports of patients neglected in hospitals emerging, two trade unions met with the Kenyan government yesterday and negotitated a return to work, although a significant proportion of demonstrators defied the agreement, The Guardian reported.

Orina told Reuters the dismissals were “cat-and-mouse games, you cannot sack an entire workforce. It is a ploy to get us to rush back to work, but our strike continues until our demands are met”. Frederick Omiah, a member of the same society, believed the government’s actions would “make an already delicate and volatile situation worse”, expressing concern that demonstrations may continue in the capital Nairobi, amongst other locations. Kenya Medical Practitioners, Pharmacists and Dentists Union chairperson Dr. Victor Ng’ani described government actions as “reckless”.

Mutua said the health workers were “no longer employees of the government” and had been eliminated from the payroll. While Ng’ani told the BBC of difficulties with finding other workers as skilled and experienced, Mutua reportedly stated that this would not be an issue. “We have over 100,000 to 200,000 health professionals looking for work today,” Mutua commented. “There will be a lag of a day or two … but it is better than letting people die on the floor, at the gate, or suffer in pain”.

Great white sharks to be protected in New Zealand

Friday, December 1, 2006

The New Zealand conservation minister, Chris Carter, announced Thursday that it will be illegal in New Zealand to hunt great white sharks in New Zealand waters or in any waters with a boat carrying the New Zealand flag starting in April 2007. The decision is being hailed by conservation groups who claim the sharks would become extinct if hunting continued.

It will be illegal for a great white sharks, also known by the less common name white pointer sharks, to be hunted, possessed, killed or traded within 200 nautical miles of New Zealand according to The Wildlife Act. However if the shark was accidentally caught or killed then no prosecution will occur if they register the incident with authorities. And swimmers in Dunedin, New Zealand will also be protected by the use of shark nets.

The decision mainly comes because New Zealand signed the Convention on the Conservation of Migratory Species of Wild Animals.

Mr Carter said: “These majestic animals occur naturally in low numbers and, without protection, could be pushed to the brink of extinction. The Wildlife Act provides a strong deterrent against targeting great whites with a $250,000 fine and up to six months imprisonment as a maximum penalty.”

Kirstie Knowles, spokeswoman for Forest and Bird, said: “The sharks had been landed with an undeserved bad rap.”

Vaughan Hill wants Mr Carter to reconsider as he is the latest man in New Zealand who has survived a shark attack. Mr Hill wants the reconsideration because of fear of his children being attacked and not because he was once attacked. Mr Hill now only 35% control of one arm with the other been amputated and has scars on his back and front. Mr Hill was 23-years-old when the attack occurred 10 years ago while he was diving for p?ua, or Abalone, commercially 100 meters away from Pitt Island, “It was pretty murky water and I felt a big smack … I was looking into the eye and the jaw of the shark.”

“The last thing I thought was that I had to get another mouthful of air to fight it off, but blood overtook me.”

Mr Hill said that sharks should only be protected if they are in a “ring-fenced marine reserve.” He desribed the great white shark as “the ultimate killing machines [which] should be controlled. I want the beaches protected, and the workplace, which for divers is the sea.”

Dr Malcolm Francis, principal scientist of NIWA (National Institute of Water and Atmospheric Research), said: “Despite the sharks’ fierce reputation they were mysterious to biologists. Great whites were known to travel huge distances but their breeding and life cycles were not as well documented.”

“They are incredible predators, but they are more vulnerable than us,” Dr Francis said, “Human attacks are more likely a case of mistaken identity. They let go when they realise we’re not their normal prey (fish and seals), but often the initial bite is devastating.”

Jim Anderton, minister of fisheries, said: “The white pointer shark was not known to be targeted by commercial fishing but was occasionally taken, unintentionally, as by-catch. They were sometimes targeted by recreational fishers and there was some demand for jaws and teeth as fishing trophies. Others were unintentionally caught in set nets.”

“No one wants to see an animal hunted to extinction for the sake of a jaw or a few teeth or to be placed under pressure by accidental catch. Under these new regulations no fisher will be able to profit from taking a white pointer, and any fisher inadvertently catching one will have to return it to the sea, intact, and alive, if possible.”

In New Zealand there have only been nine reported cases of shark attacks for 16-years.

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Empty tower at Miami International Airport catches fire

Wednesday, July 11, 2007

A fire broke out earlier today at an Airlines ramp control tower at the Miami International Airport. The building is currently being constructed. The fire is believed to have been sparked by hot roofing tar that spilled. The building is part of an expansion at the airport.

There fire is confined to the upper deck of the tower. There are no reports of flight delays because of the fire.