How To Improve The Us Economy - A Political Perspective

The United States has been in a recession since December, 2007, as defined by the National Bureau of Economic Research, a private, nonprofit research organization. But the American people, and the Obama administration along with the democrat majority congress, seem to be at odds on how to fix the American economy.

A robust economy means companies expand which results in job creation. Currently, the American people are not spending because many are not working, and those who are working are spending less, most likely due to the possibility of losing their job. Current unemployment rate stands at 9.6% as of August, 2009. A decrease in spending by the American people results in a decrease in company profits, company non expansion, and more layoffs.

Reporting on a survey by Watson Wyatt, a consulting firm, the HRSpecialist.com reported in November of 2008 that one-fourth of U.S. employers plan to have staff reductions during the following calendar year. We are now seeing this come to fruition for 2009.

So how can the US economy improve? Improvement being defined as two consecutive quarters where we do not have negative growth in the GDP (gross domestic product). The following is what we call the Steps to Economic Improvement. These are steps for consideration which hopefully result in a healthy bipartisan discussion between our elected congressman and their constituency. These steps may result in non-recessionary growth of our economy.

You may or may not agree with these steps, but at a bare minimum, these are points to consider, and ideally result in a healthy discussion with our elected congressmen, which at last check, is one of the unchanged notions of a free democratic society.

Steps to Economic Improvement:

1) The first step is to realize that it is business and not government that creates jobs and wealth within the American society. This is where we believe is the heart of the problem. It is evident that the Obama administration believes it is government that will lead Americans to economic prosperity. This is why the federal government has put forth a 0 billion stimulus package. So where is this money really going. Let's take a look at the breakdown. (source Republican Senate office, CNN.com AC360)

0 Billion Stimulus Package:

MORE THAN BILLION IN TRANSPORTATION INFRASTRUCTURE INVESTMENTS
BILLION FOR HIGHWAY, ROAD AND BRIDGE INVESTMENTS
.4 BILLION FOR PUBLIC TRANSIT INVESTMENT
BILLION FOR HIGH SPEED RAIL
.3 BILLION FOR FAA AIRPORT IMPROVEMENT FACILITIES AND EQUIPMENT
0 MILLION FOR AMTRAK
0 MILLION FOR GRANTS TO STATES FOR INVESTMENT IN HIGH SPEED AND INNER CITY PASSENGER RAIL
0 MILLION TO MARITIME ADMINISTRATION FOR ASSISTANCE TO SMALL SHIPYARDS
.8 BILLION IN EDUCATION INVESTMENTS
BILLION FOR STATE FISCAL RELIEF TARGETED DIRECTLY FOR EDUCATION
.9 BILLION FOR PELL GRANTS
.5 BILLION FOR SPECIAL EDUCATION FUNDING
.4 BILLION FOR TITLE I
.4 BILLION FOR WATER AND SEWER INFRASTRUCTURE
BILLION FOR JOB TRAINING
.25 BILLION FOR WORKFORCE INVESTMENT PROGRAMS
0 MILLION FOR JOB CORPS
BILLION IN TEMPORARY AND TARGETED MEDICAID RELIEF TO STATES
BILLION FOR SUPPLEMENTAL GRANTS TO PUBLIC HOUSING AUTHORITIES FOR CAPITAL NEEDS
.7 BILLION FOR STATE AND LOCAL ENERGY EFFICIENCY BLOCK GRANTS
.4 BILLION FOR SMART GRID
.9 BILLION FOR WEATHERIZATION PROGRAMS
BILLION FOR ADVANCED BATTERY MANUFACTURING
BILLION FOR LOAN GUARANTEES FOR STANDARD RENEWABLES
0 MILLION FOR CONSTRUCTION OF PORTS OF ENTRY
0 MILLION FOR FIREFIGHTERS ASSISTANCE GRANTS
.2 BILLION FOR NATIONAL SCIENCE FOUNDATION

As part of the 2010 budget proposal, the Obama administration has also proposed additional measures to attempt to stabilize the economy, including a trillion measure aimed at stabilizing the financial system and freeing up credit. In a nutshell, auditors from the Congressional Budget Office have said that Obama's budget would produce .3 trillion in deficits over the next decade.

This is a large chunk of change that needs to be provided by the American taxpayer! But the question is, will all of this spending help the long term growth of the US economy? Growth being during the period of not just the next few years, but rather 10 to 15 years. We believe it will not and here is why.

2) These programs burden the tax payer. History has shown that long sustained economic growth can not take place when the tax payer is over burdened by a federal deficit. Also, when the government spends money they do not have, they print more money, which results in a devaluation of the US dollar. This results in inflation.

3) Small businesses employ just over half of U.S. workers. How do you define a small business. The Office of Advocacy defines a small business for research purposes as an independent business having fewer than 500 employees. In examining the 0 billion stimulus package, you can see that there is no real help for small business. Remember, job creation is needed for economic recovery.

4) The socializing of America will not result in long term economic growth. The massive spending that the Obama administration has proposed will result in an even greater tax burden to the American people.

Most Americans believe in the frame work and meaning of The Constitution of the United States. The first words of the Constitution "We the People" make it clear that our government was established to serve the people. The essence of a democracy was eloquently stated by President Lincoln in his Gettysburg Address "that government of the people, by the people, for the people, shall not perish from the earth." This simply means that our elected president and congress have a responsibility to listen to the American people.

And it can be said that most Americans do not want a socialistic society for the United States. Government needs to stop spending the American tax dollar, simply because an escalating government deficit will not result in an overall improvement in our economy.

5) Programs such as Cash for Clunkers, auto industry bailouts, and the like, only in the end increase the tax burden on the American people. These massively expensive programs do very little to improve the viability and strength of most small business. Based on 2008 figures, there are 155 million workers in the United States. The car industry accounts for about 13 million of these workers. Therefore, most Americans will not benefit from the bailout of the auto industry. There is only a marginal at best improvement in the economy from such programs.

6) We do applaud the Obama administration for the injection of capital into the financial institutions, because for small business to flourish, there needs to be capital available, and commercial banks and other depository institutions are the largest lenders of capital to small business.

7) The economy will do much better when companies are left to compete in the market place with minimal government involvement. A case in point, the Reagan administration had a policy of less government during the 1980s. This resulted in long term economic growth. This is the exact opposite of what the Obama administration is trying to do.

The Obama administration was given a bad economy when Barack Obama took office. But the Obama administration has taken a bad situation and made it much worse. Many economists believe that our economy would return anyway, with minimal government involvement. In terms of the economy, the government many times creates or prolongs problems and really does not solve them. A case in point, the deregulation of the banking industry which resulted in sub-prime lending. This created an eventual financial collapse, which resulted in the down turn in our economy and our current economic meltdown.

To conclude, the concept of minimal government is an important component for a strong American economy. Letting companies naturally compete within a free democratic society, with minimal government involvement, produces a robust economy, which benefits all Americans. The writers of the Constitution of the United Sates, our founding fathers, believed that the role of government in the lives of people should be minimal. Should we not adhere to the principles of our Constitution?

By letting your voice be heard, it is the American people who in the end control the destiny of the United States. And in the end, it is the American people who will control the destiny of the American economy. Go to your congressman's website and contact them, discuss these points, express your opinion, and let them know how you feel. It is your right and duty as an American citizen.

Mumbai - A Hotspot for Real Estate Investors

The city has always experienced a rapid growth in its robust economy, mainly from the real estate sector. People are willing to stay and invest in Mumbai due to its business friendly environment and potential to convert millions into billions.
Due to higher property rates in Mumbai, earlier buying was also not affordable for people. But now the conditions have changed and the residents can buy flats according to their suitability and affordability. Thanks to the increasing number of real estate companies in Mumbai, they have enabled a common man to afford flats in Mumbai.
Such companies are also concentrating to construct spacious bungalows and villas with garden, as the demand for such bungalows is increasing. However, some of such bungalows and are available in Andheri West, Juhu, Bandra and Goregaon East and south Mumbai, but they are too expensive to afford.
The most commonly sought apartments in Mumbai are 1, 2 and 3 bedroom apartments. These real estate companies also provide their clients with buildings and pent houses, available with 5 and 6 Bedrooms, including terraces, balconies etc. The best investment options recognized by the real estate companies are the pre-leased properties with high profile tenants. However, the locations targeted by the real estate companies are mainly sub-urbs, which are expected to experience new developments.
Areas suitable for residential property investment in Mumbai are Panvel and Navi Mumbai, espacially areas near Navi Mumbai airport, the Nhava-Sewri sea link, etc. These areas are also beneficial for future prospects due to strategic proximity to Lonavala and Pune. The proximity to the expressway and increased access to Mumbai has made these places worth investing.
The new housing developments in Mumbai have a high real estate value, due to increasing demands. The increased rental rates, both in residential and commercial properties, have made investments in Mumbai the most profitable industry trend. NRIs are finding Mumbai as their most favourite and secure place for investment. To cater the demands of NRIs, builders and developers of Mumbai are introducing new residential and commercial projects.
Apart from NRIs, various foreign companies are also planning to venture in India, and have chosen Mumbai as their favourite spot, which forms the main reason for increased property rates in Mumbai
The features that make real estate in Mumbai a hot deal are:

Low telecommunications cost.
Adequate manpower.
Availability of basic amenities for better quality of life.
Superior and advanced infrastructure.
Improved intra-and-intercity access.
Home to the headquarters of many large corporate houses.

Other factors aiding in the increasing demand of flats and property in Mumbai are - increase in the number of IT, BPO, KPO and ITES sector, besides it being a hub of renowned business centers and Indian cinema.
Apart from making the property available for higher class, the builders and developers also concentrate on lower and middle class people, who dominate the population of Mumbai. There are affordable flats for sale in Mumbai, which are mainly 1 BHK or 2 BHK flats.

Possessing a property in Mumbai is the dream of millions, which has been made possible with the advent of such builders and developers, offering flats at affordable rates. The Government is also co-coordinating with these real estate builders so that more and more people may get benefitted and get flats and apartments on comparatively lower prices.

The Reasons Why Payday Loans Have Become So Popular

No matter how difficult most financial companies have been finding it for the last few years, there is one aspect of the finance industry that has seen phenomenal growth in that same difficult period. That is the payday loans industry with an estimated annual turnover of 1 billion pounds in the UK alone each and every year. Month on month there are new lenders entering into the market place and the existing lenders are also increasing their appetite.

So where did they come from and why are they so popular?

Payday loans or instant cash advance loans as they are sometimes known originated over in the United States where they have been popular for a great many years. When the credit crunch started to take effect the American lenders saw that there was also a viable market in the UK and set up shop over here. As more and more people started to take advantage of this type of loan new lenders started and to jump on the band wagon and set up in business. That however does not explain why the industry has turned into the monster that it has.

This has come about for a number of reasons some of which are detailed below;

1) Easy to arrange: Arranging a payday loans could not be simpler, in most cases all that is required is the submission of a short application form online. With no further documentary evidence required for many and an instant online decision.

2) Quick payout: With online approval and same day payout, they are a very convenient way of dealing with any short-term emergencies that tend to occur every now and then. Most of the loans that are taken out are taken out for the purpose of emergency car or boiler repairs, and the like, they can however be taken out for any purpose whatsoever.

3) Easy to understand: Most payday lenders charge a flat fee based on the amount that you borrow i.e. for every 100 GBP that a person borrows they will be required to repay 25 GBP in interest. This means that applicants know exactly what the loan is going to cost them even before they apply.

4) Repaid in 1 instalment: Because the loan is repaid in full on the applicants next payday there is no long term effect on their finances.

5) Not too many other options: As a result of the credit crunch there are not too many options available to people who are looking to borrow smaller loan amounts, because most of the unsecured lenders have now stopped lending and the secured loans lenders are only interested in loans above 5,000 GBP.

6) They are cheaper: When you look at the actual cost of borrowing the money, instead of the ridiculous APR's that the lenders are forced to advertise. They are in fact a very competitively priced product.

When you take all the above into consideration it is no surprise that payday loans have become so popular, and with no sign of any changes in the immediate future for the rest of the UK finance industry. There is every chance that the industry will continue to grow.

Home Equity Loans - A Secure Source Of Funds Injection

For many of us who have fallen on hard times, the solution to the problem can be closer to home than we may have thought. The value of our own property can provide a route to a cash bonanza that will see outstanding debts cleared. A home equity loan can see a person return to a state of financial security.

It may seem illogical that an existing mortgage can be overlooked and the potential for further funds on a home be identified. But it is possible to get loans approved based on home equity. Basically, the equation is based on the fact that, as we pay our mortgage, the ratio of property debt-to-income changes in favor of the borrower, while time can see the value of the home increase too.

So, in getting loans through equity in the home, a significant cash injection can be secured to clear outstanding household bills, as well as existing personal and credit card debt. Sudden significant expenses, like medical bills, can also be dealt with almost immediately.

How Equity Works

The basis of equity lies in the fact that with each mortgage repayment made, the value of the property owned increases, creating room for a home equity loan. For example, if a mortgage is 0,000, with repayments per month of 0 over 25 years, after 5 years, some ,000 would have been taken off the mortgage principal. Therefore, the available equity increases by ,000.

However, loans approved based on home equity also take account of changes in the property market, which generally moves upwards. Over the same period, the property value may increase to 5,000. This means that when applying for a loan through equity in the home, the applicant can access up to ,000.

But perhaps a cash sum of ,000 is all that is required, which means that a home equity loan should be applied for that clears the existing mortgage and provides the extra cash. This means that a figure of 5,000 can be applied for, which is less than the original, making repayments more manageable and yet providing the much needed extra cash.

Advantage of Taking the Equity Route

There are two principal advantages to getting loans approved based on home equity rather than simply a large personal loan. The most obvious one is that the original mortgage is repaid, which immediately has a positive impact on the credit rating of the borrower.

This in turn means that some of the terms of a renewed loan can be better, such as the interest rate falling. This mean that getting a loan through equity in the home, is sure to have a lower interest rate than any other kind of loan.

The second major advantage in home equity loans is that the potential is always there to repeat the feat and seek another large cash injection. So, after a few more years, when the loan has seen a large portion repaid, and the value of then property has increase a little more, the borrower can seek to once again have a loan approved based on home equity.

Some Caution

However, this kind of refinancing strategy can only work if the value of the loan through equity in the home is lower than the original loan. The reason is that the significant benefits will be missed if the loan total remains the same, or increases. The interest rates may drop, making a larger home equity loan tempting, but remember that the degree of savings depends on the size of the principal.

Payday Loans

Demands for payday loans are increasing at the rapid pace in the recent years. This is reason that the whole world has faced economic recession and some countries are still facing this situation. In economic depression payday loans have worked well for people to batter financial challenges effectively right on time, as soon as people have recovered themselves from financial crisis with the assistance of these loans.

Why Payday Loans Are Popular?

Contrasting credit cards or even traditional personal finances, payday loans are endowed to people without demanding credit check and collateral security. In its place, the payday loan providers will grant you a loan based on your monthly revenue and bank account information. This is because people with bad credit often need to turn to these loans to fill in a cash flow gap of two consecutive paydays. They offer a quick and easy solution to these issues and the fund can often be transferred into your bank account on same day of applying.

What Can You Grab Hold With a Payday Loan?

Payday loans serve a very important function in the loan market. They are low standard, high rates of interest finances that are bestowed to people for a small repayment term. By and large, you are required to pay your loan back within up to 30 days of receipt. This is where they get the title "payday" as you are expected to reimburse the fund with your next paycheck. You can acquire the cash anywhere in the range of 100 to 1500 which is a well-suited amount for emergencies such as car breakdown or unexpected travel. Loan sum that you obtain is transited into your bank account in a very short least possible time or the next business day. Your application is not rejected if you fill your details accurately in online application.

Rates of Interest

Owing to short term in nature, payday loans generally carry higher interest rates than the interest rates you see advertised by traditional lending agencies and banks for personal loans. On the other hand, the interest for these credits is equal to what you are utilized to seeing on a credit card. These funds are reimbursed swiftly, however, which is mean that the interest does not have time to accumulate. That's why the rates of interest are generally higher, so the lender can create money, and the option is cheaper in comparison of a credit card, which can mount up interest for years if you do not pay off the fund right away.

Applying Procedure

Online is the best medium to apply for a payday loan in easy and swift manner. To have fund via this application procedure you have to fill out a simple application form with required details and submit it on the webpage. In a little time you can get approval of your loan. This online mode saves time, efforts and money since it is free from faxing documents, lengthy paperwork and charge. You can apply online for the loan from your comfort home or office.

With Structure And Purpose: A New Approach To Regulating Medical Marijuana

The Ohio Medical Cannabis Act of 2012

This Amendment exempts Ohio's sick and dying those with specific debilitating medical conditions and symptoms from all criminal and civil penalties. Patients must obtain a written recommendation from their doctor to use medical cannabis, register with the state, and follow the provisions of this Amendment.

Known as patients, they must apply for and obtain a photo identification registry card entitling them to use, buy, possess, and transport a maximum of two hundred grams of usable cannabis. Patients may also cultivate up to twelve mature cannabis plants to alleviate their suffering. A patient can designate a caretaker a family member, roommate or person with their medical power of attorney, twenty-one years or older to buy, posses and transport medical cannabis for the patient under their care.
A New State Agency Modeled on a Familiar Framework

The Ohio Medical Cannabis Act of 2012 creates governmental bodies to regulate, control and enforce the mission of this proposed Amendment. The Cannabis Commision is designed to prevent access to medical cannabis by those not authorized to use it, while reying upon and mirroring existing laws in the Ohio Revised Code.

Our ammendment mirrors the proven regulatory business structure of the Ohio State Liquore Controll Board. While the infrastructure may be similar, the rules and regulations to be applied are specificly written for the strict controll of medical cannabis. A well regulated, state-wide system governing the cultivation, manufacture, distribution and sale of medical cannabis for the sole benefit of Ohio's sick and dying, provides the strongest form of protection for patients and the citizens of Ohio.

Modeling a regulatory system upon existing, proven law provides "uniformity of legislation," which further increases the degree of protection for patients, caretakers and their providers of medical cannabis.

The Ohio Liquor Control Board and their governing laws, now 77 years old, are well known and understood by Ohioans, police departments, prosecutors, the courts and local elected officials. This uniformity of legislation leaves no legal gray areas. There are 77 years of legal precedence from which the courts can draw opinions. Therefore there is little chance for misunderstandings and confusion over how these laws will work for medical marijuana. This will dramatically reduce the chances of anyone being improperly arrested and prosecuted when following the law.
The Ohio Commission of Cannabis Control

This commission is empowered to oversee the Division of Cannabis Control, the Superintendent of Cannabis Control and to create rules and regulations necessary to fulfill the mission of the Ohio Medical Cannabis Act of 2012. The commission's core infrastructure is based upon the Ohio Commission of Liquor Control. By serving the public interest in this fashion, the Amendment relieves the Ohio General Assembly from having to dedicate time and effort to developing it's own unique rules and regulations through legislation.

While the governing infrastructure of the Ohio Commission of Cannabis Control is modeled off of the Ohio Commission of Liquor Control, the rules to be enforced are by no means the same and are written to greatly support the rights of patients while preventing access for recreational use and protecting those providing this medication.
The Commissioners and How Appointed

The Governor will appoint nine commissioners from a list of expert candidates presented by the reprisentatives of Ohio's seven medical colleges, the Ohio Agricultural Research and Development Center, and the Ohio Bar Association, and from applications submitted by patients, medical cannabis cultivators and entrepreneurs. Other representatives of the state will also be seated as non-voting ex-officio members, so as to represent all stakeholders in the state: law enforcement, public health officials, the Attorney General, the Ohio Senate, and the Ohio House of Representatives.

To the greatest extent as possible, due in part to how these commissioners are chosen, this commission will be science-based, objective, practical and devoid of the partisan and political discrimination.
The Ohio Division of Cannabis Control

Based upon the Ohio Division of Liquor Control, this body will assist the commission by establishing standards, putting in place the regulatory staff and enforcing the laws and rules related to the business of cannabis in the state using trained agents acting in the same manner as liquor control agents.

All agents will be trained and each must attend and obtain certificates from educational organizations, like Oaksterdam University, showing that they have studied and fully understand all the issues involved in the field of medical cannabis.

The Division of Cannabis Control, like the Division of Liquor Control will accept, review and issue all permits. This includes developing a system to provide patients, caretakers and commercial permit holders with confidential registration photo identification cards and creating a secure, confidential verification system for use by law enforcement.
The Superintendent of Cannabis Control

Appointed by the Director of the Department of Commerce, this individual will be responsible for operating the Division of Cannabis Control.
An Exceptional Standard of Excellence

This proposed system of regulatory bodies contains all the checks and balances required to assure the public interest is well served. The Commission, Superintendent and Division of Liquor Control, with its 144 employees, is today considered one of the most effective and efficient state governmental bodies in the United States. This level of excellence has made Ohio's liquor agency a subject for privatization by Ohio Governor Kasich.

By following this excellent regulatory model, with uniformity of legislation, we are assured the Commission, Superintendent and Division of Cannabis Control will serve the public interest with an equal standard of excellence.
Keeping Black-Marketers Out of the Business

A concern is the assurance that those participating in the state's new medical cannabis programs are safe, both legally and from the harms associated with the black-market.

We do not want people involved in this program who are willing to break laws in order to enhance the ill-gotten proceeds of their illegal trade. Organized crime, violence, theft, fraud, blackl, etc. will have no place, nor opportunity in this new program designed to benefit the sick and dying of Ohio.

To assure these criminal elements are excluded requires regulatory vigilance and dedicated enforcement; the same used to govern and regulate Ohio's liquor laws, of which have worked well for over 77 years.
Background Checks and Fingerprinting

The Ohio Division of Liquor Control issues 24,000 liquor permits each year to Ohio businesses. To obtain a liquor permit, the applicant must submit fingerprints and have a background check conducted by the Ohio Bureau of Criminal Identification and Investigation (BCI) and Federal Bureau of Investigation (FBI). Again, by adopting uniformity of legislation, we mandate the same for those applying for commercial permits from the Ohio Division of Cannabis control.
Excluded Felony Offense

The Ohio Division of Liquor Control excludes all persons with felony convictions from obtaining a liquor permit. Special consideration for a permit applicant with a felony conviction on a case-by-case basis is permitted and we propose the same.

A person convicted for felony marijuana crimes is excempt if the conduct which lead to their prosecution would likely have been legal under the provisions of this ammendment. For example, a chronically ill person convicted of treating themselves with medical cannabis will be allowed to apply for a permit. Also, a person convicted in another state for a felony marijuana crime will be exempt from this rule if that crime would be considered a misdemeanor in Ohio, or if the completion of sentence occurred more than ten years prior to the application for a permit.
Local Option Laws

To assure these proposed laws are thoroughly enforced, there will be uniformety throughout the state. We understand that local officials will appreciate not being forced to develop their own laws, rules and regulations for medical cannabis.The need for local legeslation in other medical marijuana states, has lead to many complications. We avoid this and consequently save our state's 2,800 independent political bodies of 20,000 elected officials from effectively re-inventing the wheel.

We realize that some localities in the state may wish to not allow medical cannabis retail establishments. Just as townships may not wish to permit the sale of spirituous beverages, citizens may ban there presence using the same Local Option Laws designed to designate a "Dry" township. If this is the case, voters of a precinct may elect to place upon their local ballot a measure giving the voters in that precinct the right to choose.
Non-Discriminatory Banking

In order to better regulate and control the business of medical cannabis in Ohio, this Amendment mandates all banks licensed by the Ohio Department of Commerce provide the same banking services to medical cannabis commercial permit holders as any other customer. Banks are not mandated under this initiative to provide loans.
PATIENT RIGHTS & PROTECTIONS

The Ohio Medical Cannabis Act of 2012 will provide Ohio's sick and dying safe access to medical cannabis for the treatment and alleviation of their pain and suffering.

Patients will be allowed to possess 200 grams of usable cannabis (presently a misdemeanor with a maximum penalty of 30 days in jail and/or 0 fine). Patients may also cuultivate 12 mature cannabis plants. The cost of a patient ID card will be no more than double the cost of a drivers license [a maximum of roughly today]. Patients from other medical cannabis states with a valid ID will be recognized in Ohio and must adhere to the provisions of this ammendment.
HIPAA RIGHTS

Aside of the freedom from arrest and imprisonment by the state, there is no more important right for a patient than the Health Insurance Portability and Accountability Act (HIPAA). In short, this federal law ensures the rights of patients to keep private and confidential all information regarding their health, healthcare practices and their doctor patient relationships.

This Amendment guarantees to patients the rights to keep all information, records and data concerning aspects of their medical conditions and use of medical cannabis private and confidential. No person or state agency shall force a patient to waive their HIPAA rights, either by inducement or mandate.
Qualifying Medical Conditions

All federally approved medical conditions for the use of medical cannabis covered under the federal Compassionate Investigational New Drug program, begun in 1978 and continuing to this date, including but not limited to:

Multiple Congenital Cartilaginous Exostosis
Glaucoma
Multiple Sclerosis
Nail-patella Syndrome
Human Immunodeficiency Virus (HIV) and Acquired Immune Deficiency Syndrome (AIDS).

Added to the Amendment are:

Any terminal patient or person with a terminal condition
Agitation of Alzheimer's Disease
Amyotrophic Lateral Sclerosis
Cancer
Celiac Disease
Crohn's Disease
Hepatitis C
Mylomalacia
Post Traumatic Stress (PTSD)
Sickle Cell Anemia
Rheumatoid arthritis
Injury or disease to the spinal cord, spinal column, or vertebra; or the treatment of these conditions.
Those suffering from a "Debilitating medical condition."

"Debilitating medical condition means one or more of the following: All federally approved medical conditions for the use of medical cannabis covered under the federal Compassionate Investigational New Drug program, including but not limited to: cachexia or wasting syndrome; severe or chronic pain; severe or chronic nausea; seizures, including those characteristic of epilepsy; and severe or persistent muscle spasms.

The Commission may add new medical conditions to the qualifying list and individuals can petition the Commission to consider an additional medical condition.
Special Circumstances for Non-Qualifying Medical Conditions

A physician may petition the Commission's Medical Committee to allow a patient under their care whose medical condition is not listed as qualifying, but feels medical cannabis might provide a benefit, to obtain an ID. This allows for numerous "orphan" diseases and rare medical conditions that doctors often have difficulty treating, to qualify a patient for a medical ID card. Under these circomstances, the Commission may approve or deny the petition, or require the doctor to submit follow up reports and/or specify the unique conditions.

As an example, topical applications of medical cannabis have shown remarkably positive results in tests as a treatment for the often fatal, antibiotic-resistant MRSA disease. This is due in part to the strong antibiotic properties in some cultivars of cannabis that initiate apoptosis, or regulated cell death. In this case, the Commission may grant the ID, allow an ID with a limited expiration date, or limit the patient to only purchasing topical ointments containing medical cannabis.
For Terminal Patients and Patients with a Terminal Condition

Being terminally ill for any reason or cause, is listed as an official medical condition in our Amendment. This is a first for medical cannabis laws in the United States!

A "terminal condition" means that, even though there may be times when a condition is in remission, in all likelihood it will eventually lead to death. In this circomstance, the patient may obtain a permanent patient ID card without the required expiration and renewal requirements.
The Caretaker

A caretaker, as defined in this Amendment, is a patient's family member, a person who lives in the same residence as the patient, or a person holding the patient's medical power of attorney who is age twenty-one years or older and agrees to assist their patient with the medical use of cannabis. Caretakers may obtain a confidential registration identification card allowing them to purchase, posses and transport medical cannabis for the patient under their care. This Amendment recognizes the special and extraordinary responsibilities taken on by one who cares for the sick and attempts to make their lives easier. A caretaker may also apply for a patient ID card in assistance of their patient.
Patient ID Cards - No Waiting

This Amendment allows a patient to obtain a confidential registry photo ID card the same day they obtain a written certificate from their doctor and to obtain medical cannabis that same day. Patients may apply for and obtain their ID card from their local Deputy Registrars Office. The patient can, if they choose, mail an application to the Division and wait for a response.
A Seasonal Outdoor Cultivation Permit

This Amendment recognizes that the often expensive costs for medical cannabis can be dramatically reduced if the patient is able to cultivate their own medical cannabis. It also recognizes that Ohio's climatic and soil conditions are among the finest on earth for cultivating cannabis. As such, this Amendment allows the Division to issue a special seasonal permit to patients, allowing them to keep the total harvest from a yearly outdoor cultivation of 12 mature cannabis plants for personal use. The patient may keep the entire harvest, even though a seasonal harvest might produce more useable cannabis than otherwise allowed under the 200 gram limit.

Patients are not required to obtain an outdoor cultivation permit cultivate 12 mature cannabis plants, but they cannot exceed the 200 gram limit for usable medical cannabis. If a patient wishes to grow their own medical cannabis, they must designate their cultivation site on their yearly patient application form.
Driving while Under the Influence of Drugs (DUID)

Patients shall not be permitted to drive while impaired under the influence of medical cannabis. The penalties are sever and rightly so. However, this ammendment states that until and unless the National Highway Traffic Safety Administration develops and mandates standardized tests for operating a vehicle under the influence of cannabis, a registered qualified patient shall fail a generally accepted field sobriety tests given by law enforcement personnel, which shall be captured on a video recording devise for court proceedings, before the patient can be suspect of driving under the influence;

A provision in our state's DUID laws regarding the presence of metabolites from a controlled substance in the blood, offers the following exemption, The person obtained the controlled substance pursuant to a prescription issued by a licensed health professional authorized to prescribe drugs. For the purpose of this Amendment we change the word prescription to written recommendation.
The Patient / Employer Relationship

Ohio is an "At Will" state and you can be fired for showing up late, or your choice of attire. However, there are specific anti-discrimination laws that prevent an employer from disciplining or firing their employees for race, sex, age, etc. and the Ohio Medical Cannabis Act adds new anti-discrimination language that prevents workplace abuses and allows a medical marijuana patient to bring suit if they were blatantly discriminated. However, workplace use of medical marijuana can be banned and the proposed law also provides clear language for employers to assure and protect their companies and fellow employees from any harm. Also, it will not protect a medical marijuana employee who is in a safety-sensitive position, i.e. transportation, law enforcement, etc
The Limits of Our Amendment for Patients

Due to the State's prohibition against the recreational use of marijuana and the blanket federal prohibitions in general, this Amendment requires certain provisions we would rather not impose upon the sick and dying. But to make this system work, to protect patients from the evil of the black-market, and to provide the best possible protections for the citizens of Ohio, this Amendment proposes certain compromises.
A Sales Tax on Medical Cannabis

Culinary herbs are the only herbs exempt from sales tax in Ohio and cannabis isn't a culinary herb. Cannabis would be listed as an herb or other botanical and classified as a dietary supplement that is taxable. Medical cannabis will be taxed the same as all other non-culinary herbs sold in the state, suck as bloodroot, St. John's worth, goldenseal, wormwood etc.

For cannabis to be listed as a medicine and exempt from Ohio sales tax requires the creation of specific regulations by the US Food and Drug Administration, and this Amendment unfortunately doesn't apply to federal agencies.

Keep in mind that the estimated annual purchases for medical cannabis in Ohio will help create upwards of 10,000 new jobs, and the funds paid in county and state sales taxes will pay for hundreds of city and state employees.
Limit on Patient's Purchase of Medical Cannabis to 60 Grams
Preventing the diversion of medical cannabis to the black-market and into the hands of those unauthorized to use it.

The Ohio Division of Liquor Control sets the minimum price of beer to reduce the possibilities of diversion. Beer could be sold for 10 cents a can, but that would encourage people to buy and resell for a profit. This would allow it to get into the hands of children. We do not wish to allow the Commission of Medical Cannabis to set the price of medical cannabis in Ohio. However, we understand the wisdom to control pricing as a means to help prevent diversion. This is another instance of uniformety of legeslation.

Patients will be allowed to posses up to 200 grams, roughly half a pound. If they could purchase that amount, they would rightly expect and get a dramatically reduced wholesale price.

In order to help prevent patients from arrest, legal entanglements and involvement with the black-market, this Amendment limits the amount allowed to be purchased by patients and their caretakers to 60 grams. It doesn't matter if a patient purchases 200 grams in one day from four different sources, but obviously, they will not receive a dramatically discounted wholesale price for their multiple purchases.
The Cultivation of Medical Cannabis in Ohio

All medical cannabis grown in Ohio must be kept in an enclosed and locked facility. An enclosed and locked facility means a room, building, greenhouse, or garden, equipped with locks and kept locked whenever the cardholder is away. Outdoor cultivation sites must also be screened to obstruct the view of cannabis plants from the outside at ground level.

Patients may grow up to 12 mature cannabis plants and are not required to obtain a commercial cultivation permit.

Mature cannabis plant means a cannabis plant that has undergone botanical sexual differentiation as shown by having flower buds that are readily observable by unaided visual examination with the excemption of perscription eyeware.

Immature cannabis plant means a cannabis plant that has not yet undergone botanical sexual differentiation and therefore not a mature cannabis plant.

Cannabis plants, useable cannabis, etc. shall not be shall not be seized or forfeited if possessed according to the rules of this Amendment and This Amendment shall not prevent the seizure or forfeiture of cannabis or cannabis plants which exceed the amounts allowed under this Amendment,
Commercial Cultivation Permits

Except for patients who grow their own, all medical cannabis cultivated in Ohio will be limited to those obtaining yearly permits from the Division.

Individuals, age twenty one years or older, free of any excluded felony convictions and holding a valid vendor's license, may apply for a yearly commercial cultivation permit.

If grown in an area zoned residential, the permit limits the grow to a maximum number of mature cannabis plants allowed by the sum of two patients. If grown in an area zoned for agriculture, commercial enterprises or industrial activities, the permit limits the grow to a maximum number of mature cannabis plants allowed the sum of eight patients.
Classification of Commercial Permits Issued by the Division

A Designated Cultivator: This is known in other states by the euphemism of caregiver. The fee for this permit will be double the cost of a driver's license () for each registered qualified patient the designated cultivator registers under their permit and up to a maximum of eight patients will be allowed. Designated Cultivator Permit Fee: from to 0, depending on the number of patients served.

A Medical Cannabis-Infused Product Manufacturer: These products include traditional tinctures, oils, lotions and edible products etc. These non-smoked products are extremely important to many patients.

This cultivation permit allows a maximum number of mature cannabis plants equal to the number allowed for eight patients.This permit also allows the holder to contract with another holder of a cultivation permit to obtain sufficient amounts of cannabis to manufacture their cannabis-infused products.

An applicant for this permit must have their manufacturing site inspected for cleanliness and sanitation by the applicant's local Department of Public Health and licensed by Department of Agriculture, depending upon the nature of the products being manufactured. A copy of the site inspection and the food preparation license is required for application.

Additional regulations require products be sealed and labeled with a list of all ingredients used in the manufacture and the label to clearly read, This Product Contains Medical Cannabis. These products are not exempt from sales taxes. Cultivation Permit Fee . Operation Permit Fee .

An Agricultural Cooperative: This state chartered, not-for-profit organization allows patients, caretakers and volunteers to work together. They can cultivate cannabis plants and distribute useable cannabis only to the registered qualified patient members of the cooperative. The organization shall not possess more useable cannabis nor cultivate more mature cannabis plants than allowed the sum of its patient membership. Cultivation Permit Fee . Operation Permit Fee .

A Scientific Research Laboratory: This permit holder tests cardholders' cannabis for purity, cannabinoid content, horticultural contaminants, etc. It also allows for the research and development of new and useful cultivars of cannabis and selling seeds, germplasm, cuttings and clones. This does not allow the sale of useable cannabis. This permit allows growing no more mature plants than allowed for eight patients.

The reason for creating a permit for the combination of testing cannabis and germplasm research is to encourage the capital investment in scientific equipment for testing, which would also be extraordinarily useful for the development of new and useful cultivars and to provide an addition income stream to help pay off the hefty expense of the scientific equipment. Cultivation Permit Fee . Operation Permit Fee .

A Safety Compliance and Educational Facility: This permit allows an organization to do any and all things allowed under this Amendment, including the use of medical cannabis by registered qualified patients for demonstration purposes on the grounds of the registered premises. Its goal is to provide the highest value and worth of an educational experience to cardholders, interested individuals and employees of the division and department. This cultivation permit allows the cultivation of no more mature cannabis plants than allowed eight patients. This permit does not allow the sale of useable cannabis.

Only seven permits in this class will be issued and locations will be spread around the state. Cultivation Permit Fee . Operational Permit Fee ,563

A Medical Cannabis Retail Establishment: The requirements to obtain these permits are extensive and there are a limited number of permits allowed. The application and the process for granting these permits are not easy. Applications will be reviewed, weighed and scored by the division, then turned over to the commission who will pick the best applicants for permits.

The cultivation permit follows the same rule required of vineyards by the Ohio Division of Liquor Control. The permit holder shall cultivate no less than sixty percent of the usable cannabis they dispense to patients and may obtain a maximum of forty percent of their usable cannabis by contracting with other cultivation permit holders.

A few regulations of note include: just like our state's liquor laws, the location of a retail establishment may not be within five hundred feet of a school, church, library or public playground; the types of signage and advertising have certain restrictions; security, safety and record keeping requirements are extensive; and all employees must be licensed and trained. There a lot of dos and don'ts.

The total number of permits initially granted will be 471 state-wide, roughly equal to and following the same formula for the number of State Agency Liquor Stores in Ohio. One is allowed in each county with an additional allowed in each county for each 30,000 citizens in that county. In practice, the total number will be less because nearly half the counties in Ohio do not have a population large enough to support a medical cannabis retail establishment.

Voters may ban a medical cannabis retail establishment using existing Local Option Laws as briefly described elsewhere in this document. Cultivation Permit Fee ,563. Operational Permit Fee ,563.
Contracts Between Permit Holders

Cultivation permit holders may sell useable cannabis, plants, infused products, etc. to other permit holders under specific regulations noted in this Amendment and under reporting rules to be established by the Commission. An excise fee of 1% shall be charged on each transaction conducted between permit holders and paid to the Division.

Commercial permit holders many also obtain additional permits from another class of permits. For example, a co-op may also obtain a cannabis-infused products manufacturing permit.

Only Qualified And Licensed Technicians Should Be Entrusted With Iphone Repair Miami

Many factors should be considered when you are on the lookout for the best service center to carry out the iPhone repair Miami or Apple repair Miami service. Not all service centers provide qualified technicians. If you hand over your gadget to a local repair shop the chances are that they will not replace genuine parts and after a few days, the device may stop working altogether. Since these new gizmos are expensive, it is necessary to ensure that you hand them over in safe hands to carry out the repairs and change certain parts.

Even though we are very careful with the MacBook, unforeseen circumstances may occur to cause damage. The screen may be cracked or the keyboard damaged. The hinges may come loose or the hard drive may have to be changed. When you send the device to the service center you may be tempted to replace the broken screen with a better display or change the casing. Talk to the service center and get their valued advice before you make a decision.

If the technicians at the service center are licensed and professional, they will use only genuine Apple parts. They will source the OEM parts which are the next best thing from factories that produce the different parts for Apple if they do not have Apple. They should be able to provide quality service for your requirements. They should offer low prices and perform the job at high speed. They should also guarantee secure payment process with every order. Look for service centers that offer at least 3 months warranty for their spare parts and accessories. Some offer bonuses and discount offers regularly. It would be a good idea to sign up with them to get regular updates about the new products introduced by Apple. Most of them also carry out upgrades and fit accessories for your gizmo.

When you are browsing online to find the right car service center for iPhone repair Miami and Apple repair Miami, check if they offer free diagnostic services. After the problem is reported, the repairs will be undertaken only if you approve and it will be repaired and sent back to you after you have made the payment through your credit card.

Several accessories such as Casing Back part, Sound Audio, different control buttons and LCD screens are available with these service centers. If you are interested in changing your hard drive or require a Super drive, you can send the gadget to these centers and they will undertake this service. Upgrade the RAM or get the keyboard repair done at licensed and reputed centers to ensure that you are getting the best service in Miami.

When you research and locate a service center near you, make sure to read the testimonials and reviews to check out the quality of their service. They should also be prompt and reliable before you decide to hand over the device to them. Ensure that they offer only genuine parts from Apple and get a quote before you agree to the repair costs.

Make a Guaranteed 15% On Your Money

The point is that paying off credit card debt is the best investment that you can make. It is a GUARANTEED return, and you don't have to take taxes out of it as you are just paying back a debt. The above example showed a 15% profit in the stock market/mutual fund. What would have happened if the investment only went up 5% instead of 15% or what if it went down 15%? You would be in an even a bigger hole. In the example above you would have needed a 20% return in order to pay off the credit card in full after commissions and taxes. That is double the average return for the stock market. Historically, that is asking a LOT when you could just have paid it off from the beginning and not have to deal with the stress of the debt.

I always suggest paying off personal debt (which includes credit cards, automobile loans, furniture loans, personal loans, and student loans) prior to investing money in the stock market/mutual fund.

Hope For - Emergency Cash? Inglewood Payday Loan Is Exiting Place To Have It In 1 Hour

Payday loan in Inglewood is a most select alternative since 2009 for a working citizens. Had Money problems or pay-check is crazy low? That is a money loans very simple to apply. Over Millions of people using no interest rate cash advance loan online opportunity, to unlock some Additional Cash to fight the money emergency or enjoy some thing you want or expecting insufficient fund on your checking account. That's the #1 in USA place to obtain some money help and Fast cash with Inglewood payday loans.

Why Inglewood payday loan online is excellent for me?

In tough day's this is massive hassle to receive cash loan or credit, usually not possible, during your credit score check, if you had a negative credit there is a big chance you will be decline. Inglewood payday loan online is a most select option, for the reason that this is interest free and absolutely cash advance, its suggest you can apply Emergency money right from your home. Wonderful thing about it key is, you can own fund's with out credit check, so if you kill your history it is not a problem. Some of the cash advance business asking provide to much info, calling and bothering you and friends. We propose you totally secure opportunity, no messing with your time, its take just a few minutes to get everything done. Inglewood payday loans make available money with only couple short question, entirely no fax and finally secure, completely confidential, no calls, no credit check, no personal information, and US leading Payday loans online.

How to find Inglewood Payday loan?

Its so easy, all you should to do is login Get-Cash24-7.com, and complete free online application. We make our option specially to borrow you with Money easy for you and primarily is when you want it just in time. We work with a #1 lenders, so you can enjoy requested amount of money - instantly. Online payday loan in Inglewood is a inexpensive fee loan, so you can use it in financial emergency or just unlock for your self some Quick cash.

Why use Get-Cash24-7.com, to apply a no interest rate payday loan?

Our company is a completely certify for a service in UK and USA, we provide our #1 in town and instant service 24/7. Entirely confidential, with a pro experience of 15 year's. Over 7 millions happy customers and over 600 loan's per-day. By using our group you can have wonderful benefits of enjoying painless Inglewood payday loans, catch emergency aid and Urgent cash you should have for up - to 00, very over the Internet and easy.

We present Inglewood payday loan online to everybody, we have just couple basic requirement's:

- age of 21 year's old and more
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Why Should You Choose A Dahon Folding Bike?

Dahon is a name to reckon within the bicycle manufacturing world and the leader in the production of folding bikes. In fact, this Los Angeles-based company is a trailblazer when it comes to folding bike technology with more than 95% of the currently prevalent folding bike designs being along the lines of the Dahon foldaway bikes.

The company has perfected the bike manufacturing industry and has till now sold more than 2 million of these bikes in more than 30 countries is ample testimony to its expertise.

Dahon is never short on ideas when it comes to folding bikes. It has several innovative and groundbreaking bike models to its credit, all hugely popular amongst the biking fanatics.

Amidst the plethora of brands jostling for your attention in the market, Dahon has been pretty quick to win the favours from the bikers. And for all the right reasons too.

A constant strive towards perfection and development has meant that Dahon goes in for an extensive R&D regime. It is thus no wonder that the Dahon folding bike comes in so many different forms and designs, all of them rivalling and most times surpassing the best in the market.

Quality is the hallmark of all Dahon bikes. This is because the bike parts are obtained from the very best manufacturers all around the world. Go in for a Dahon folding bike. You can bask in the thought that you will be taking convenience and comfort along with you in your ride.

Dahon folding bikes feature a wide range of options to meet the needs of the most demanding cyclist. So if you are looking for a versatile compact machine for the daily commute or local journeys the Dahon folding bike range will meet your needs.

The Espresso is the bike perfect for adventurers in the city. It is the ideal bike to enjoy in the park or when popping to the shops or out to see a friend for lunch and a catch up. The bike features a wide ergonomic saddle, a suspension seat post, and an upright riding geometry that ensures a comfortable ride. The Espresso folds easily and takes moments to fold away and store in your car, home, office and on public transport.

The Helios P8 model combines excellent performance and folding practicality making it ideal for all. It is made out of a light aluminum frame that features patented Re-Bar, Vise Grip, and EmBed technologies and comes complete with a brushed aluminum finish. The model has also been upgraded with the brand's new Fusion technology, which results in the bikes having improved frame stiffness and being more lightweight. This model is the perfect bike for those looking for a mid-high end model.

The Impulse P21 is another fantastic model. It's an extremely stylish bike perfect for the city. The bike features fenders, rack, chain guard and a single shifter that controls all 21 gears. However, the surprise this bike has under its saddle is that its features also ensure it is a rough and ready bike perfect for those wanting hardcore rides at the weekend or want to take part in some tough touring.

The Flo is held as the hero bike from Dahon folding bikes. Developed from the amazing design of the road bike known as The Allegro, the Flo is a mountain bike that uses the same technology, the Ritchey BAB technology. The bike frame is designed with perfect geometry and features 631 air-hardened steel tubing providing a really exciting ride.

The Dahon folding bike stable are bikes of many, many strengths and no weaknesses.

There are so many plusses: Tough, robust, easy handling, stylish, perfect size, safe and super quick in folding. What more do you want in a modern folding bicycle.

How To Get Money Back At Closing When Choosing A Loan

I'm pretty sure you don't know what Yield Spread Premium (YSP) is. It is hidden in most mortgage transactions until the closing statement is presented and home buyers are ready to close escrow and complete the home buying process. I didn't know what is was either. Even with "truth in lending" and good faith estimates, you're probably going to miss the YSP. THe problem is, when you pay YSP, you pay it over the life of the loan... more on that later.

I'm a computer programmer and I was brought onto a project to create a transparent mortgage tool to help consumers get a fair, honest loan. The really cool thing about the project was the main goal was to take the hidden YSP, that normally goes into the pocket of the mortgage broker, into a rebate back to the consumer. The consumer can then use that rebate towards closing costs.

I look at some old records and found a closing statement that had YSP at over ,800. I didn't even realize that I paid it. Probably because I didn't write a check for it. It was wrapped up in the loan, so for the next 30 years I will be paying interest on that ,800... which will double or triple the amount owed. That is when it hit me that giving that money back to the consumer is a really good idea. Image what you will do, if on your next home loan you can get ,800 or more back that you can use.

Our nations current economic conditions has made the consumer demand transparency in mortgage services,. So next time you get a mortgage, simply ask that mortgage broker if they are a member of the Transparent Mortgage network, and even if they are not ask if you can get the YSP as a rebate that you can use towards closing costs to help you secure your house.

Car Lease Myths? This Should Be Fun!

You may have heard of this elsewhere, but the truth about common car lease myths will certainly set you free. Car leasing is already in a bad light, and it's no wonder at all; confusion drive prospects mad at times, and certain dealers were slipping bad deals across the table to confused buyers who want nothing more but to get hold of those low monthly payment schemes.
These days, especially with the chorus of rising interest rates seen everywhere, carmakers are thinking of shifting their attractive incentives program from low interest financing and rebates to leasing. If you already know what you are looking for and you have the ability to negotiate smart, then these popular car leasing myths should not bother you at all.
Buying a Car is Supposedly Cheaper than Leasing One
If you plan on keeping the car after the loan is already paid off, you get to save your money by buying it instead. But is that really the case? If you trade the car even before you have paid off your loan, then you can bet that the trade-in value will likely not cover your loan's remaining balance.
In case you wanted another car in three years time, you will hear your instincts telling you to sell what you have right now and then match that residual value specified in the lease rather than have it traded. Then you will contemplate paying off your loan. This means buying will surely leave you a thousand dollars poorer, which should not be the case.
Negotiating a Good Buy Is Nearly Impossible
Negotiating leases however is always possible, you'll just have to contemplate on some important things first, like the capitalized cost. This is actually the vehicle price, which you must bang shoulders with on the negotiating table, just like you would when actually buying a car.
The money factor is another play on your sleeves. The lower the figures involved the better. Know that dealers in general are reluctant in revealing the money factor in negotiations, which again suggests that you should be persistent in dealing.
One of the most important things people look into is the residual value, which is actually the value of the vehicle right after the end of the lease. Inflated residual values may lower your monthly payments, but can also tie you down as well. Realistic residual values instead will make it easier for you to sell out the lease, or maybe trade your car during mid lease and even buy after the expiry of the lease.
Businesses Alone Can Get Tax Breaks
Existing tax laws are designed to allow various businesses to deduct and consider monthly payments plainly as an expense. Individuals also get a tax break too. Almost all the states allow individuals to take care of the sales tax only (which will be included on the monthly payments), and not on the vehicle's selling price.
That's it, although there are more. But if you know how to weave your way around these popular car lease myths, then you should be just fine.

3 Ways To Capitalize On Roth Ira Investments

Most asset class's brokers and bankers invest your funds in like stocks, bonds; mutual funds are getting crushed with no immediate end in sight. The government is bailing out banks, broking houses, insurers and mutual funds with handfuls of cash to stop an even worse scenario happening. So what's the answer? You basically have two choices, do nothing and hope for the best, or take some positive action and look for better returns from other asset class investments.

1. Roll your traditional Roth IRA to a self directed Roth IRA

Why bother doing this? Simply, because you can invest in more asset classes and have more control over investment opportunities. An employee wants to earn as big a wage as possible doing a decent days work, he is not an investment guru, and hasn't time to be running around looking after investments, so why would he take this action? Again the answer is simple, because he can use specialized people in organizations structured to look after all the issues using a turnkey approach.

2. Get a better interest rate and ROI

Under normal circumstances investors could expect to receive 7 to 8% return on their IRA retirement plan. However, things aren't normal at the moment and probably won't be for a long time to come. Getting these kinds of returns is highly unlikely at the moment; in fact many are turning to cash for safety with even lower interest rate returns. There are real estate investment opportunities at the moment offering a far superior return on investment. We all know real estate hasn't been immune from worldwide financial problems. However, there are some great turn key investments available where you can invest self directed Roth IRA money to get a better ROI.

3. Use Roth IRA tax incentive to gain greater ROI on capital to compound profits

Working a normal 9 to 5 job doesn't offer regular employees much opportunity to create wealth. Retirement saving plans are great incentives to encourage people to be self financed retirees and not rely on government pensions. But, if you want to be financially independent in retirement you may have to broaden your investment scope. One successful way to create wealth faster is to grow your original capital with better profits from greater ROI. Then use this money to reinvest and try to do the same thing again, each time you do this the capital grows. The self directed Roth IRA tax incentives enable you to speed up increasing your wealth in the account by not having to pay tax on the profits when the funds are withdrawn provided you abide by the IRS rules.

In conclusion, the financial environment is difficult today compared to even twelve months ago; just about every asset class is giving poor results. A Roth IRA investment in real estate may be a viable option worth considering to help grow your retirement income. Seek advice from a trusted financial advisor, and then find a company that specializes in proven turnkey real estate solutions that can give you a better return on your money invested.

Bad Credit Home Loan Options Can Include An Fha Loan

The real estate sector was once the pride of the lending institutions, with generous offers made available to practically everyone. The idea was to increase their revenue from home loans, but as we all know now, that plan backfired and has left the economy reeling since. That fact has not removed the need for home loans, but given the financial realities today, bad credit home loans have become more common.

With the events of the past few years, there are now less options open to those seeking to have home loans approved despite bad credit. Many of the institutions took such serious hits, they are now gone, while others no longer have the resources to make for sound lending at all.

When it comes to finding a loan to purchase a home, it is now considered a wise option to turn to the Federal Housing Authority, or FHA, and seek a loan from them. In light of the fact that the regular lenders got so much wrong in recent years, there is certainly a peace of mind that comes with the FHA association.

Advantages of FHA Loans

For those who are not aware, the FHA offers a high level of security to home buyers by providing assurance over the stability of their associate lenders. The security is provided through the government backing that its bad credit home loans receive, with the fact that FHA loans are only issued by approved lenders with that government guarantee.

The principal reason that this level of security is considered so valuable is that it lowers the risk that lenders have to face. This then helps to build their confidence, which in turn helps to relax some of the terms of any loans, ultimately making it easier to get home loans approved despite bad credit.

There are no prizes for stating that getting a loan to purchase a home is not simple under any circumstances, what with the sheer size of the investment. So it can only be good news to learn the FHA loans are available at all.

Government Guarantee

In truth, the value of government approval is huge in the financial sector, so to have the Government provide a guarantee to bad credit home loans is a huge boost to the lending industry as a whole. The backing provided relates quite literally to the provision of a guarantor for any loans. So, should the borrower fail to may repayments, and default on the loan, the government will buy back the loan from the lender at the existing market rate.

Of course, the benefit for those seeking to buy a home is to have a reliable source from which to get home loans approved despite bad credit. It therefore increases the numbers of people able to get a loan to purchase a home, which can slowly rejuvinate the housing sector.

Other Options

Despite such an ideal situation, it is still possible to see an application for bad credit home loans rejected. There are, after all, criteria that need to be met before any loans are granted. It is worth considering other options, such as refinancing an existing home loan.

After years of repaying a loan, and with the fact that interest rates have fallen, there is some scope available with which to refinance the loan and save money. When attempts to get a home loan approved, despite bad credit fail, this is clearly a worthwhile option.

Of course, this is not available to first time buyers, making it necessary to get a loan to purchase a home. Shopping around can ensure the best possible is found, but there can be no doubting that bad credit home loans from FHA approved lenders are amongst one of the better options available.