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Everyday Cliches —

The Politics of Currencies

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Politicians do a lot of talking about money, but how much influence over currency do they actually have? The politics of currencies are a lot more intricate than the guy who happens to be running for office this year, and whatever grand plan he’s got. Currency rates and inflation go through a lot of changes — many different ups and downs — which don’t always reflect the political climates of individual countries. There’s no question that, up to a point, politics has an effect on the way we look at money and how much of it we get to spend.

Politics and Policies

Politicians do have the power, and opportunity, to introduce certain policies that could change the financial lives of millions. Tax rates, interest rates, government spending – these are the things that politicians have control over. The policies they propose and changes they make could change how much money you pay in taxes from year to year, how costly your mortgage is from month to month, even whether or not you receive help to pay for your prescription medications. In a much grander sense, politicians help to control currency itself.

Currency Rates and Inflation

Governments do exercise control over currency rates and inflation in their respective nations. The government has to place limits and control interest rates, tax rates and various aspects of the economy to keep the entire system from falling apart (though at time it seems that even this isn’t quite enough).

However, even when controlled, currency rates and inflation are ever-evolving entities. From day to day and year to year, the value of certain currencies change. For example, you may visit Canada one summer. By the next summer, the exchange rate for your American dollars will be different. Changing currency rates are one of the many factors that make the market tricky. Use UFX Markets Infographic on Currency Rates and Inflation to stay up-to-date on different market and economic trends. The UFX online banking system will provide you with current infographic information, so you can look at trends and statistics in visual charts and graphs.

Changing inflation rates affect the worth of currencies around the world. Very high inflation could decrease the value of currency, while low inflation could raise the value. The numbers aren’t so easy to track, but UFX markets infographic on currency rates and inflation make patterns easier to spot. Once you know how to spot the patterns, you can make smarter decisions when it comes to trading, selling, buying and investing in financial markets.

How to File Chapter 7 Total Bankruptcy

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Filing for Chapter 7 Total Bankruptcy is something that many people hope they never have to do. While it’s something that should only be done as an absolute last resort, if done wisely this could be a fresh start for many people struggling with debt. Chapter 7 Bankruptcy allows you to cut most if not all of your debt. It’s important to get help from an experienced bankruptcy attorney.

Get Credit Counseling

Even those who are just thinking about filing for bankruptcy must go though and complete a course on credit counseling. It’s required to complete the course through an agency that’s approved by the government six months before you file for Chapter 7 bankruptcy protection. Upon completion of the course, the court will present you with a certificate. Your final requirement is taking another session where you will learn about financial management.

The Bankruptcy Means Test

You’re required to take a means test, also called the Chapter 7 test, before doing anything. This test is going to figure out whether you’re eligible for filing for Chapter 7 bankruptcy. The means test will decide what your debt-to-income ratio is, which means they’re going to compare how much debt you’re in to how much money you’re making.

They will then take your income and compare it to what the medium income is for your state with the same size family. So if you’re family size is five, they will compare that income with the median income of a family size of five. It’s required that your income is equal to or less than the median income to qualify for Chapter 7 bankruptcy protection.

File your Documents

Once you’ve completed the credit counseling courses and passed your means test, it’s time to file your petition through a court that deals with bankruptcy. This is where it’s recommended to have a bankruptcy attorney to make sure your paperwork gets filed correctly.

Once the petition gets filed, the court clerk will send out notifications to your creditors informing them about your Chapter 7 bankruptcy petition.

Attending 341 Meeting

You’re also required to attend a 341 meeting three to six weeks after you’ve filed your bankruptcy petition. The 341 meeting is a meeting that takes place at the court with your creditors. In most cases your creditors won’t show up; it’s just you and the trustee the court assigned to your case. You’ll answer questions under oath about your liabilities and assets. The meeting is fairly short and shouldn’t take more than an hour.

Your Debts are Discharged

After the 341 meeting, your trustee will take care of selling off all your non-exempt assets as a form of payment to your creditors. All your creditors should have filed their claims with the court by this time. You are then discharged of your debts, which doesn’t count towards student loans, and your debts are now gone.

Fun Activities to Teach Your Kids About Politics

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Politics isn’t just for adults. Kids can learn a great deal about governments and political events through fun and educational activities. You can give your child the inspiration to become the next President or government official. Here are some fun activities to teach your kids about politics

  • Play Trivia Games

Playing trivia games is a fun way for kids to learn and develop their comprehension skills. Some political games on the market include Caesar, Hail to the Chief and the Presidents Game. These games are typically for elementary to middle school-age children and require multiple players. You can also get inventive by creating your own trivia game questions and playing rules.

  • Use Online Resources

You can find numerous resources on the Internet to teach your kids about politics. One such resource is Congress for Kids. This website teaches children about the U.S. Constitution and the different branches of government through interactive activities. The content of the activities is best suited for fourth grade to high school students.

  • Do a Stage Play

You can create a play to perform at home or at a community center where your kids can dress-up as political figures. You can do this by selecting an important political event and have the children reenact the story. Not only will your kids have fun, they will feel more personally connected to the politics in their country.

  • Visit the Library of Congress

The Library of Congress is the world’s largest library and features exhibits such as “Exploring the Early Americas.” Your kids will have fun seeing the exhibits and will learn a lot too.


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Law Enforcement Gear for Protection

law enforcement gear is to ensure that these officers are ready to face any emergency situation.

This gear is vital to protect police officers from imminent danger. Law enforcement officers require necessary protective gear such as weapons, which could be their only protection in any life or death situation. Law enforcement gear must meet the protective needs of all these officers, and are manufactured of very high quality. People in critical situations are not going to be using something flimsy. In certain countries, law enforcement gear is also used by the federal reserve unit who lend their assistance to the police in handling emergency situations and life threatening riots.


How Presidential Nominations, Popular and Electoral Votes Work

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U.S. presidential elections are based upon a nomination process, the popular vote of the public and the Electoral College vote. Elections are governed by federal and state laws; however elections are mostly controlled and regulated at the state level. Here is a brief summary of how presidential nominations and voting works.

  • The Nomination Process

There are two components of nominating a presidential candidate. These include primary elections and caucuses held in each state and nomination conventions held by each party. Each state regulates its own primary elections and caucuses. The nomination process is an indirect selection where voters are not directly voting for a potential nominee, but usually a group of delegates who have pledged to vote for specific candidates at their party’s nomination convention.

  • Popular Vote

In a presidential election, voters are also not directly voting for their candidate of choice. Instead, they are voting for a group of electors who have pledged to vote for a particular candidate. The more votes a certain group of electors get, the more power they have in choosing the candidate they want.

  • Electoral Vote

The electoral voting system is mostly mandated by each state. Each state is allotted a number of Electoral College selectors that is equivalent to its number of Senators and Representatives in Congress. The U.S. Constitution grants each state the right to determine its own process for choosing electors. Once electors are chosen, Congress makes the final determination on which electors will represent each state.

Understanding how the presidential nomination and voting system works can help you make more informed decisions when casting your ballot.


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Why Many Americans Dislike Politicians


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Politicians are increasingly becoming a despised group. Opposing politicians often use negative campaigns to discredit each other rather than focus on the issues at hand. Many Americans are resistant to believing anything politicians say and have strong dislike for politicians overall. Here are some reasons why many Americans dislike politicians.

  • Disparity in Priorities

In a book written by E.J. Dionne, Jr. titled “Why Americans Hate Politics,” the author discusses that the Republic and Democratic party are still caught up in debates left over from the 1960′s such as women’s role in the family. Most Americans have moved on from this issue and are more concerned with things like adequate childcare for working mothers. This disparity in priorities leads many people to dislike politicians because they don’t seem to care about what’s important them.

  • Unfulfilled Promises and Distrust

You have all seen election campaigns where politicians discuss what they will do once elected to office. Unfortunately, some politicians use empty promises to get elected and once elected they fail to deliver on their promises. Additionally, the media is more focused on the bad politicians than they are the good politicians, which only fuels the contempt that Americans have for politicians. Unfulfilled promises create distrusts and a feeling of “all politicians are professional liars.”

  • Political Scandal

Some Americans are probably getting desensitized to political scandals like extramarital affairs and corruption. Although behaviors like extramarital affairs are done by many Americans, people do not want to see their elected officials violate society’s moral standards. When these ideals are violated, it creates lack of respect and dislike for politicians.


Political Ideologies – A Practical And Pragmatic Stance Is What You Should Look For

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Politics is the art of the possible. No political party can afford to have two idealistic stance on any issue. This may seem like a crass and opportunistic set up but that is how democracy works. The imprisonment and handling of prisoners of war of terror in Guantanamo Bay lead to a huge controversy. The use of torture as a method to extract information from convicts was criticized a lot.

However, the best solution that opposing political parties were in a position to offer was to export inmates of the prison to foreign countries where they could be tortured without worrying about the political consequences.

The recent capture of Bin Laden based on the information obtained from inmates of Guantanamo Bay has further muddled the issue. The political party that setup the prison cannot afford to derive political mileage from this bit of information. Doing so would seem tantamount to condoning torture and violation of human rights.

Political parties walk a very fine balance and often err on one side or the other on specific issues. Conservatives tend to be too conservative and unrealistic about abortion and other such issues. On the other hand, democrats tend to be too interested in exporting democracy to all parts of the world irrespective of whether conditions are ripe or not.

A smart leader would be one who reconciles these issues as far as possible by taking everybody along. One must assess political parties through the same pragmatic and practical medium. Adopting too ideological stance may work well for an individual living in a house. However, this may not work well when one has to manage a country.





Moving Beyond The Obvious – Best Way To Compare Election Candidates

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Political scientists often complain that the most glamorous and controversial aspects often get the maximum publicity in a democracy. A racial slur made by one candidate against the other becomes top news. Analysts of different political affiliations speak and debate the issue for very long time.

On the other hand, nobody bothers about the basic steps that are taken to make any and every campaign a success. The agenda, portfolio or manifesto is treated as a formality. People complain that these documents contain nothing more than a long list of nice sounding words and promises which may or may not see the light of day.

However, it does not make sense to judge any candidate on the basis of a single controversy. Rather, one should focus on a holistic and comprehensive approach. Analyzing the manifesto makes sense because it gives the voter an idea of the goals and ideals of the candidate.

A candidate professing affiliation to a specific political party but coming out with an agenda that is contrary to the ideals of the party may turn out to be a bad bet. The individual, if elected, may end up without any support from his or her party. On the other hand, an individual who plays it too safe and is not prepared to go beyond what the party says or dictates would not be a good leader either.

It is important to go beyond the mere words used in campaign promises. Even the choice of words matters. The individual must have a clear view about social, economic, political and international issues. Only then can such a candidate be trusted to run the country.





Fewer Political Parties – A Sign Of Maturity Often Seen In Aged Democracies

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Different countries in the world have a different political setup insofar as the number of parties in the democracy is concerned. Mature democracies like United States and United Kingdom follow a two party set up. Of course, there is nothing official or formal about the limit.

It just so happens that the national political spectrum has been divided into two parties. One can never achieve real democracy if one places restrictions on the total number of political parties. Freedom of political association is a fundamental tenet of democracy.

Many experts view the twin party set up as a sign of a mature democracy. There is very little scope for political horse trading because voters will be choosing between one of the two options. On the other hand, having too many political parties, as is seen in certain European and Asian countries, can lead to a fractured mandate where the votes get distributed amongst different parties with almost similar ideologies. In such a scenario, the process of formation of government by reaching agreements with different political parties can become a very complicated process.

It has been seen that most matured and old democracies have a two or three party setup. On the other hand, countries that attend independence five or six decades ago have a large number of parties.

While having fewer parties may make the national view clearer, this does not mean that each and every member of the party subscribes to its ideology completely. There are different groups and pressure lobbies within a single party and such groups often function as independent units when it comes to seeking power and influence amongst voters.


Since asthma can be the result of systemic inflammation that comes about by different food allergies, probiotics can help prevent asthma. The probiotics help by calming inflammation and helping to get rid of a plethora of heath issues as well.

Asthma is a very common disease that causes inflammation in the bronchial tubes. It creates a tightness in the chest, obstruction of the airways, wheezing and coughing. Since the probiotics help the immune system, this can help the lungs as well. Intestinal microflora is a key component in immune system regulation. The probiotics help create intestinal barriers and immune reactions. A lack of these important microbes in infants for instance, can lead to improper immune maturation, which leads to allergies. Probiotics also treat the disease of eczema. Both eczema and asthma are linked to an abnormal immune system in infants and when research was done on children that were exposed to probiotics as infants, almost half were less likely to acquire eczema.

People with asthma can benefit from the probiotic use because they help keep the immune system in order and decrease the chance of food reactions. Studies have shown that in a particular instance, a child was taken off of dairy foods and given supplements that included probiotics, zinc, cod liver oil, vitamins C and E and transfer factor. This child no longer had problems with wheezing or the influx of colds that he usually got throughout the year. His growth was more regular and he was doing well.

Many success stories have been shown after the patients started using probiotics on a regular basis. It helps with allergies and promotes a healthy immune system. It also promotes a more healthy intestinal area by keeping everything balanced properly, which helps with the asthma systems in many sufferers, including children and adults.