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Air pollution is clearly a health hazard when you consider all the many harmful materials present in the air we breathe. However, this risk can be combated by control or elimination of the source of the pollutants. It may not always be practical due to adverse weather conditions to ventilate with fresh air from outdoors but a home air cleaner can help to get rid of the pollutants already inside your home.

The design of a home air cleaner can be created in such a way that the installation can take place within the duct of the central heating system. As an alternative it can also be located in the ventilating or air conditioning duct. This allows the air in the house as a whole to be cleaned but with the help of a portable home air cleaner, the air in a single room or specific area can be cleaned instead of the full house.

How Does It Work?

The majority of home air cleaners have a mechanical air filter. The filters do their job by trapping large airborne particles such as dust, dust mites, pollen, cockroach allergens, mold and pet dander. Nonetheless these particles settle rapidly and they cannot be completely removed by the air filters. When further movement takes place within the house, these particles are disturbed and the larger ones settle once more before the filters have managed to pick them up.

Most air-conditioners and residential furnaces come with flat panel air filters which serve as home air cleaners. Their primary purpose is to protect the equipment. However, they also filter bacteria, viruses and pet and dust mite allergens.

A fan circulates the air and the filters clean it in the portable home air cleaners. It can easily be moved to wherever the cleaning needs to take place and depending on the size of the room it is usually quite effective at reducing airborne pollutants.

Health Concerns

The home electronic air cleaner also removes small particles, but it is ineffective at removing larger particles. Electronic air cleaners can turn out ozone, which can irritate the lungs. Ultra fine particles may also be produced and this happens as a consequence of ozone mixing with indoor chemicals such as air fresheners and cleaning products. Such particles may cause unpleasant health problems.

The home air cleaner certainly helps to lessen levels of smaller airborne particles or allergens but it is not capable of removing microorganisms, which ultimately cause disease.

A home air cleaner can be very useful in a house with children, the elderly or those suffering with respiratory conditions such as asthma. However, as far as the larger particles are concerned they may not be of any help whatsoever.

Justin Mann is an expert on air cleaners and purifiers, and is a regular contributor to The Facts on Air Cleaners and Purifiers at http://bestaircleanerspurifiers.com , where you can get the help you need to find the air cleaner or purifier that fits your situation and your budget.

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Disney Cars The World of Cars Dexter Hoover #71

Dexter Hoover 1:55 scale car is new in blister on card as shown in photo....card in excellent condition

(WARNING: Article may not be suitable for young readers. reader discretion is advised.)

I recently sat on a discussion panel in a Graduate-Level Counseling/Psychology class at the local university. The night's topic was in regard to homosexuality. My two co-panelists included a conservative Baptist preacher and a Gay male. When I introduced myself to the class, I made it clear that, although I consider homosexuality a sin, according to Scripture, it is only one of many sins which include heterosexual sex outside of marriage, lying, stealing, pride, etc. As with all other sins, I added, there are consequences - not punishment - but negative responses for our own poor choices. I stated that God created sex but He did so within bounds.

During that discussion, "Pat" admitted that his main concern was not whether or not he was sinning, or whether or not his union with his current lover was accepted by God or the Church. No, his main concern, he said, was financial. Let's face it, when two people, gay or straight, share their lives together, and one of them dies, the survivor generally has a very tough time maintaining the lifestyle they had created as a pair. Part of me wants to say, "Gee, you're right! That's not fair!" Deep in my spirit, I realized, "There are consequences for every sin, Pat."

As the Gay agenda grows increasingly hostile toward traditional values, Christians MUST understand why that agenda should not be validated by the public policies of our nation. The liberal media would have us believe that homosexuality is everywhere and they call us "homophobic" if we won't accept Gays as a legitimate minority in our country (how an individual's unnatural sex acts are supposed to get them recognized as a minority along with Blacks and Hispanics is beyond me).

GAYS IN OUR MIDST

For years, the Gay-rights movement has sought safety in numbers, its leaders claiming that homosexuals make up 10% of the U.S. population. They cited the Kinsey Report, interviews with thousands of men and women for studies on human sexuality in the 1940s and 50s (Researchers into Alfred Kinsey's methods, which supposedly catalogued normal sexuality, noted that the ranks of his test subjects were filled with many sexual deviants, prostitutes and child molesters. Criminals provided as high as 1/3 of his subjects but Kinsey entered them into his database as "normal" individuals. His manipulation even extended to his choice of staff, young men and women, who were required, prior to coming on board, to provide detailed sexual histories. Another requirement was that they be filmed in explicit sexual movies, supposedly for research, shot in Kinsey's attic. Kinsey's research included observation of child sexuality, the manual and oral stimulation of children, and the timing of child orgasms with stopwatches. Part of his collection of sex films included films of children in sex acts and adult-with-child sex. The Kinsey Report claims at least '317 pre-adolescents' were sexually experimented upon by 'older adults,' and confirmation of at least 2,035 child experimental subjects were later admitted in 1980 by [assistants] Gebhard and Pomeroy as reported in Ethical Issues in Sex Therapy).

Why was this man not arrested? At any rate, Gay activists took hold of the 10% estimate to strengthen their political messagethat millions of citizens are excluded from the mainstream by anti-Gay discrimination. Policymakers and the liberal press adopted the estimatedespite protests from skeptical conservativesciting the 10% figure time and again.

New York Times 4/16/93: "Gay leaders have contended that the number of Gay and lesbian Americans was around 10 %, a figure that many of them suspected to be inflated. But they repeated the number often, they said, as a way of encouraging the nations large population of closeted homosexuals to be open about their sexual identity."

Newsweek, 2/15/93: "Some Gay activists now concede that they exploited the Kinsey estimate for its tactical value, not its accuracy. We used that figure when most gay people were entirely hidden to try to create an impression of our numerousness, says Tom Stoddard, former head of the Lambda Legal Defense Fund."

Truth is, overall, certainly less than 3% of Americans, probably around 2-3% Male, 2% Female, are homosexual or bisexual, according to the best studies available. Admissions from the New York Times on 4/16/93 include: A) First, a belated report on Presidential exit poll results the Times had previously "buried," showing only 3% Male and 2% Female homosexuals: "In fact, one survey analyzing the Presidential vote found that 3 percent of men and 2% of women said they were gay, lesbian, or bisexual. B) The Times also quoted a marketer to the homosexual community: "Sean Strub, who runs a marketing firm in Manhattan that keeps mailing lists of homosexuals for sale to advertisers and politicians, estimated the size of the countrys Gay population at 2.5 percent to 3.5 percent."

Following are some statistics - some taken from Gay publications - that reveal something quite different than what the American media and entertainment industries are preaching. (SOURCE: These statistics were gathered from the "Center for Reclaiming America" website. Emphasis on certain phrases in BOLD are mine.) I believe this information will dispel the myths that we're being programmed to believe about the Gay lifestyle. Jesus said when we know the truth, that truth will set us free. Is this the truth about this subject? You decide:

SAME SEX UNIONS WILL DESTROY TRADITIONAL MARRIAGE

FACT: Dutch study found average Gay union lasts 1-1/2 years, and Gay participants average 8 additional partners outside these relationships (each year).
(SOURCE: Amy Fagan, Study Finds Gay Unions Brief, The Washington Times, July 11, 2003.)
http://www.washtimes.com/national/20030711-121254-3711r.htm

FACT: July 2000, Vermont legalizes same-sex civil unions. 3 yrs later, U of Vermont conducted poll of state's Gay men. When asked whether sex outside marriage was immoral, only 34% of these, who claimed to be in committed relationships, found anything wrong with extramarital sex.
(SOURCE: Amy Fagan, Study Finds Gay Unions Brief, The Washington Times, July 11, 2003.)
http://www.washtimes.com/national/20030711-121254-3711r.htm

FACT: 2003-2004 Gay/Lesbian Consumer Online Census surveyed lifestyles of 7,862 Gays. Of those involved in a current relationship, only 15% describe current relationship as having lasted 12 yrs or longer, with only 5% lasting over 20 yrs.
(SOURCE: "Largest Gay Study Examines 2004 Relationships," GayWire Latest Breaking Releases, www.glcensus.org.)
http://glcensus.org/press/02052004.html

GAY LIFESTYLE BREEDS PROMISCUITY

FACT: Canadian study of Gay men who had been in committed relationships lasting more than a year found only 25% as being monogamous. Study author Barry Adam: Gay culture allows men to explore different...forms of relationships besides the monogamy coveted by heterosexuals.
(SOURCE: Ryan Lee, Gay Couples Likely to Try Non-monogamy, Study Shows, Washington Blade, a Gay publication, August 22, 2003.)
http://www.washblade.com/2003/8-22/news/national/nonmonog.cfm

FACT: The Advocate, leading periodical within Gay community, released results of survey taken Aug 1994: 57% of Gay men have had sex with more than 30 partners. Survey also revealed 48% of homosexuals had participated in a three-way during previous 5-year period.
(SOURCE: The Advocate Sex Poll, The Advocate, August 1994.)

FACT: Study published in Washington Blade (a Gay newspaper): The median number of lifetime male sexual partners was significantly greater for women who have sex with women than controls. Study suggested lesbians or bisexual women average 12 male sexual partners during respective lifetimes, while average heterosexual woman will have only six male sexual partners. Research severely impairs claim that people cannot help but be Gay. In fact, lesbians are more heterosexual than heterosexuals.
(SOURCE: Sexually Transmitted Infections and Risk Behaviors in Women Who Have Sex with Women, Sexually Transmitted Infections, July 2000.)

FACT: Study, released at july 2003 National HIV Prevention Conference, found 39% of Gay and bisexual men admitted they had met partners over Internet and engaged in unprotected sex, according to USA Today. Dangerous, sinful AND stupid!
(SOURCE: "Sexual Suicide: The Rebellion of Homosexuality Causes Untold Suffering, Agape Press, September 29, 2003.)
http://headlines.agapepress.org/archive/9/292003b.asp

GAY LIFESTYLE INCREASES RATE OF STDs

FACT: Centers for Disease Control and Prevention reported number of new HIV/AIDS diagnoses rose 11 percent among Gay and bisexual men between 2000 and 2003. Reuters News Service echoed these concerns: "Since the late 1990s... the disease has shown signs of a comeback, particularly among gay and bisexual men."
(SOURCE: "HIV, AIDS Cases Rise Among U.S. Gay, Bisexual Men," Reuters News Service, December 1, 2004.)
http://www.reuters.com/newsArticle.jhtml?type=healthNews&storyID=6969460

FACT: According to Journal of Clinical Pathology, homosexuals 3.7 times more likely to be infected with gonorrhea than heterosexuals. According to their findings, 15.2% of homosexuals suffer pharyngeal (throat) gonorrhea.
(SOURCE: Value of Screening for Oropharyngeal Chlamydia Trachomatis Infection, Journal of Clinical Pathology, 1995, p. 658.)

FACT: Centers for Disease Control reports men who have sex with men at a dramatically increased risk to contract Hepatitis B.
(Source: Viral Hepatitis B: Frequently Asked Questions, National Center for Infectious Diseases, Centers for Disease Control and Prevention, September 29, 2000.)
http://www.cdc.gov/ncidod/diseases/hepatitis/b/faqb

FACT: The Advocate magazine: "Syphilis cases rose in 2003 for the third consecutive year, according to the Centers for Disease Control and Prevention. Gay men made up 60% of syphilis cases, compared with 5% in 1999. HIV diagnoses increased 17% among gay and bisexual men in 29 states between 1999 and 2002."
(SOURCE: Todd Henneman, "Scared of Sex," The Advocate, August 17, 2004.)
http://www.advocate.com/html/stories/920/920_scared.asp

GAY LIFESTYLE LEADS TO MENTAL HEALTH PROBLEMS

FACT: Study published in Archives of General Psychiatry, followed 1,007 individuals from birth. Revealed those classifying themselves as Gay, lesbian, or bisexual faced a significantly higher likelihood of suicide. Another study published in same publication, scientists determined that twins engaged in Gay lifestyle are 6.5 times more likely to commit suicide than heterosexual counterparts.
(SOURCE: Is Sexual Orientation Related to Mental Health Problems and Suicidality in Young People? Archives of General Psychiatry #56, October 1999, pp. 876-884.)

FACT: Study published in the December 2003 British Journal of Psychiatry, Gay men significantly more likely to suffer from mental disorders than heterosexual men, less likely to be involved in a steady relationship with one partner, more likely to have used drugs within the preceding 30 days, far more likely to abuse their partner, and more likely to inflict harm upon themselves. Same was true for comparisons between heterosexual women and lesbians.
(SOURCE: M. King, E. McKeown, J. Warner, A. Ramsay, K. Johnson, C. Cort, L. Wright, R. Blizard, and O. Davidson, Mental Health and Quality of Life of Gay Men and Lesbians in England and Wales, British Journal of Psychiatry (December 2003), pp. 183, 552-558.)

FACT: Journal of Consulting and Clinical Psychology conducted national survey of 2,000 lesbian women. Results: 75% had pursued psychological counseling at one point. Eighteen percent had previously attempted suicide.
(SOURCE: National Lesbian Health Care Survey: Implications for Mental Health Care, Journal of Consulting and Clinical Psychology #62, 1994, p. 239.)

FACT: Lesbian, Gay male, and bisexual youths more often associated with school problems, running away, substance abuse, prostitution, and suicide.
(SOURCE: Journal of Consulting and Clinical Psychology, Vol. 62(2), pp. 261-269.)

FACT: 1998 issue American Journal of Public Health reported: a greater-than-seven-fold increase of suicide attempts among Gay and bisexual males. (Source: "The Relationship Between Suicide Risk and Sexual Orientation: Results of a Population-Based Study, American Journal of Public Health, 1998.)

GAY LIFESTYLE INCREASES DRUG AND ALCOHOL ABUSE

FACT: Journal of Consulting and Clinical Psychologists reported: lesbian women face higher rates of alcohol abuse. 19.4% of lesbian women engaged in binge drinking (compared with 11.7% of heterosexual women). 7% of lesbians considered heavy drinkers as opposed to only 2.7% of heterosexual women. (SOURCE: Study: Alcohol Use More Prevalent for Lesbians, The Washington Blade, a Gay publication, January 12, 2001, p. 21.)

FACT: Study published by Nursing Research found lesbian women 3 times more likely to abuse alcohol and suffer addictions to other chemical substances.
(SOURCE: Sexually Transmitted Infections and Risk Behaviors in Women Who Have Sex with Women, Sexually Transmitted Infections, July 2000.)

FACT: Study by Family Planning Perspective magazine: Among men, by far the most important risk group consisted of homosexual and bisexual men, who were more than 9 times as likely as heterosexual men to have a history of problem drinking.
(SOURCE: Karen Paige Erickson and Karen F. Trocki, Sex, Alcohol, and Sexually Transmitted Diseases: A National Survey, Family Planning Perspectives #26, December 1994.)

GAY LIFESTYLE PRODUCES HOSTILE ENVIRONMENTS

FACT: Survey of 1,099 lesbians, the Journal of Social Service Research: slightly more than half of lesbians reported abuse by female lover/partner. Researchers found "the most frequently indicated forms of abuse were verbal/emotional/psychological abuse and combined physical-psychological abuse.
(SOURCE: Gwat Yong Lie and Sabrina Gentlewarrier, "Intimate Violence in Lesbian Relationships: Discussion of Survey Findings and Practice Implications," Journal of Social Service Research, 1991.

FACT: In their book, Men Who Beat the Men Who Love Them, authors report, The incidence of domestic violence among gay men is nearly double that in the heterosexual population.
(SOURCE: David Island and Patrick Letellier, Men Who Beat the Men Who Love Them: Battered Gay Men and Domestic Violence, New York: Hayworth Press, 1991, p. 14.)

GAY LIFESTYLE IS DEADLY

FACT: Study published in International Journal of Epidemiology revealed 20-year-old Gay and bisexual men in a Canadian metropolis face life expectancy 8-20 years less than that of heterosexual men in same environment. Report concluded Gay and bisexual men now face life expectancy rate similar to rates experienced by all Canadian men in 1871.
(SOURCE: Modeling the Impact of HIV Disease on Mortality in Gay and Bisexual Men, International Journal of Epidemiology #26, 1997.)

FACT: Researchers from U of California at San Francisco found 36% of HIV-positive Gay and bisexual men engaging in unprotected oral, anal, or vaginal sex failed to disclose they were HIV positive to casual sex partners.
(SOURCE: Jon Garbo, Gay and Bi Men Less Likely to Disclose They Have HIV, Gay Health News, July 18, 2000.)
http://www.gayhealth.com/templates/0/news?record=136

FACT: Centers for Disease Control, 65 percent of all AIDS cases reported since 1981 involve men, who have engaged in sexual relations with other men.
(SOURCE: HIV/AIDS Surveillance Report, The Centers for Disease Control, Volume 9, No. 2, May 1998.)

FACT: Centers for Disease Control reports Gay men currently comprise largest demographic of AIDS patients in the United States. As of December 1999, more than 600,000 homosexual men were infected with AIDS.
(SOURCE: HIV/AIDS Surveillance Report, The Centers for Disease Control, Volume 9, No. 2, May 1998.)

FACT: Reporting in the American Journal of Epidemiology, Dr. Donald R. Hoover said that a 20-year-old homosexual man, by time he reaches age 55, has 50% chance of becoming infected with HIV.
Fathers Are Still Needed Within the Family

FACT: USA Today: Women have formed civil unions more frequently than men by a 2-1 margin. These civil unions, often used to form foundation of the family, further perpetuate the fallacy that fathers role is non-essential to the family.
(SOURCE: Vermonts gay civil unions mostly affairs of the heart, USA Today, January 6, 2004.)

FACT: U. S. Department of Health and Human Services issued this statement: Fatherless children are at dramatically greater risk of suicide. The website adds that a fathers presence in the home contributes directly to better school performance, reduced substance abuse, less crime and delinquency, fewer emotional and other behavioral problems, less risk of abuse or neglect, and lower risk of teen suicide.

FACT: Childrens Trust Fund Fatherhood Initiative: 72% of adolescent murderers grew up with no father at home.
(SOURCE: Cornell, D., Characteristics of adolescents charged with homicide: Behavioral sciences and the law, 5, 11-23, 1987.)

FACT: 1995 Annie E. Casey Foundation study: girls raised in fatherless homes more than 3 times as likely to become unwed teen mothers.
(SOURCE: Annie E. Casey Foundation, Kids Count Data Book: State Profiles of Child Well-Being, 1995.)

FACT: 71% of all high school dropouts come from fatherless homes.
(SOURCE: National Principals Association Report on the State of High Schools.)

HOMOSEXUALITY IS NOT GENETIC! PEOPLE DO HAVE A CHOICE!

FACT: Christian ministries ARE enormously successful in helping people abandon the Gay lifestyle. Exodus International, an interdenominational organization, has 135 ministries in 17 different countries. This ministry reports, Real change is indeed possible. Studies suggesting change rates in the range of 30-50% [of those inquiring about change] are not unusual.
(SOURCE: Exodus International, "What's your 'success rate' in changing gays into straights?", 2004.)
http://www.exodus-international.org/exodus_faqs_success.shtml

FACT: Robert Spitzer, professor of psychiatry at Columbia University, conducted study based on interviews with 143 men and 57 women who abandoned Gay lifestyle. Each of these, through religious involvement or psychiatric counseling, was able to successfully abandon the Gay lifestyle. Dr. Spitzer, largely responsible for having homosexuality removed from American Psychiatric Associations list of mental disorders, now believes a persons perceived sexual orientation is clinically treatable.
(SOURCE: From Gay to Straight? Study: Sexual Orientation Can Be Changed, ABC News, May 9, 2001.)
http://abcnews.go.com/sections/living/DailyNews/sexualorientation010508.html

FACT: This is not a new development. The Bible testifies to this Truth. When Paul wrote to Church in Corinth nearly 2,000 years ago, he addressed the fact that some within the Church had, indeed, abandoned the homosexual lifestyle:

1 Corinthians 6: 9-11
Do you not know that the unrighteous will not inherit the kingdom of God? Do not be deceived. Neither fornicators, nor idolaters, nor adulterers, nor homosexuals, nor sodomites, nor thieves, nor covetous, nor drunkards, nor revilers, nor extortioners will inherit the kingdom of God. And such were some of you. But you were washed, but you were sanctified, but you were justified in the name of the Lord Jesus and by the Spirit of our God.

FACT: Identical twins have identical genes. If homosexuality were a biological condition produced inescapably by genes (e.g. eye color), then one twin's sexual orientation would always mirror sexual orientation of his identical twin. Yet, a 1995 study revealed opposite is true in vast majority of cases.
(Source: N.M. Bailey, R.C. Pillard, Genetics of Human Sexual Orientation, Annual Review of Sex Research 6, 126-150, 1995.)

FACT: In 2000, scientists conducted similar study of more than 5,000 sets of identical twins in Australia. In overwhelming majority of instances when one of twins was considered homosexual, corresponding "identical" twin was heterosexual.
(Source: "Origin of Homosexuality Unresolved Despite Study," The Washington Times, November 28, 2004.)
http://washingtontimes.com/national/20041128-121135-7392r.htm

FACT: A childs genetics are comprised of contributions from his/her mother and father. If homosexuality is a genetic trait, then which heterosexual parent passed the trait on to the child?
(Source: Common Sense)

FACT: A disproportionately high number of homosexuals were abused as children, leading many psychologists to believe that homosexuality is often caused by a psychological desire never to be vulnerable to men, who are usually the ones that abused them during early childhood. Among lesbian women, 37% admitted to being physically abused as a child or adult, 32% had been raped or sexually attacked during their lifetime, and 19% had been involved in incestuous relationships while growing up. These numbers are significantly higher than among straights.
(SOURCE: National Lesbian Health Care Survey, Journal of Consulting and Clinical Psychology, Vol. 62(2), 228-42, 1994.)

THERE YOU HAVE IT.

The evidence is screaming that each of us, personally, come to a verdict. If anyone reading this now is considering CHOOSING to enter or remain in the Gay lifestyle - and the truth is that it IS a choice - you are doing so even though you've just been exposed to the truth. That's what it's all about: believing TRUTH or falling for the LIES our society presents to you. It's laughable to hear perspectives such as I heard the other night as Gay proponents try and weasel their ways around the verses of Scripture that condemn homosexuality, claiming that there are too many variations in the translations, that some refer only to temple prostitution, etc. Such denial, an obvious, futile search for loopholes.

Is homosexuality a sin? As I stated earlier, according to Scripture, I believe that it is. As I read Genesis 19:4-5; Leviticus 18:22; 20:13; Romans 1:26-27; I Corinthians 6:9-10; I Timothy 1:9-10, it seems clear. Lest we forget, homosexuality is no worse a sin than hatred, gossip, doubt, unbelief, rage, rebellion and theft. My own sins are no worse and, as result of the Cross of Christ, are forgiven and forgotten forever. Just as deliverance is available for those who want to be free from any other addiction, I believe it's there for those who find themselves drawn to the Gay lifestyle. One just has to WANT to recognize the trap that the enemy has set for them and desire to be set free.

Because God's mercy is new every morning, we literally have no past every day! That's great news! The best news is that this forgiveness and mercy is available to ALL. Now THAT is the loving, hope-filled message that Christians should be sharing with those trapped in Gay lifestyles. Not to mention those trapped in adultery, substance abuse, unforgiveness or any other sin. Rather than pointing the unfeeling finger of accusation, we who are straight must ask ourselves if we qualify for throwing that first stone.

Scroll down and FORWARD this message. RATE it, too!

ABOUT THE AUTHOR

Pastor Michael is founder of t.e.a.m. ministries (team1min@aol.com). His eMail broadcasts, known as "Your Town for Jesus" (SEARCH it!) are reaching tens of thousands WEEKLY. He ministers by way of email and Instant Message, too. Write him at team1min@aol.com if you'd like to SUBSCRIBE to receive his messages directly.

Michael's mission is to bring Discipleship and Encouragement to the Body of Christ. Michael is the author of numerous booklets on a variey of subjects that will interest the thinking Christian. Since 1999, he has written and broadcast hundreds of inspirational articles and a dozen booklets, all designed to accelerate the process of spiritual development in God's people.

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We all enjoy laughing at David Letterman's top ten lists.

Sorry to say that the following list on our woeful economy won't provide you much of a chuckle, though.

Evidence is mounting that things are indeed getting scary out there, and, what's worse, we're all more or less in denial about it. It's like we're sitting around the campfire trying to shoo away a big grizzly that wandered into our camp. Unfortunately, saying "shoo" or "scoot" or simply "go away" means virtually nothing to 800 pounds of hungry, bad-tempered, non-English-speaking bear.

So while many analysts and talking heads believe that the idea of a severe recession or even depression is laughable, the case is building that these economic days, the ones we're now living in, may be getting as bad as Hoover's first year in office.

That said (drum roll please), here's...

THE TOP TEN LIST OF WHY THE PROSPECT OF ANOTHER DEPRESSION ISN'T FUNNY AT ALL

Okay...number ten...

#10/ According to Nouriel Roubini, former senior advisor to the U.S. Treasury, the FDIC has already depleted 10 percent of its funds rescuing IndyMac alone. He believes it will quickly run out of funds salvaging the other troubled banks now lined up around the block and will have to be recapitalized by Congress (i.e., the American taxpayers) soon.

Which brings up the question, did a lot of banks fail during the Great Depression? Is Tiger Woods good at golf? There were about 60 bank failures a month through most of 1930, then 254 in November and 344 in December of that year. In fact, from 1929 to 1933, 10,000 banks simply vanished (there were only 25,000 to start off). Should something like that happen today, Washington would be frantically printing increasingly worthless dollars just to keep the banking industry afloat. Definitely not an amusing prospect.

#9/ Roubini also had a great observation on the coming Fannie Mae and Freddie Mac bailout, another unbearable load on taxpayers. He said that the Treasury rescue plan is "socialism for the rich, the well connected and Wall Street; it is the continuation of a corrupt system where profits are privatized and losses are socialized." Nothing funny about that.

OPTIMISTIC -- OR ENTIRELY UNINFORMED -- OUTLOOKS

#8/ "I see nothing in the present situation that is either menacing or warrants pessimism. I have every confidence that there will be a revival of activity in the spring and that, during this coming year, the country will make steady progress." Andrew W. Mellon, the former U.S. Secretary of Treasury, said that on December 31, 1929, two months after Black Tuesday. The Great Depression delayed his cheery prediction by roughly ten years. Unfortunately equally oblivious experts are out there at this moment insisting the economic downturn will be nothing of great significance.

And doing it with straight faces.

#7/ At the beginning of October 1929, taxi drivers, hairdressers and many everyday folks felt stock-market-wealthy. "The first day of October in 1929 made me feel like I was rich," wrote Greek immigrant and restaurant owner, George Mehales. A few short weeks later, the man was wiped out. "I had nothing left." That's because it took stocks just two days during the Great Crash to shed 20 percent in value. But that wasn't the worst of it: Three years later, stocks were down a staggering 90 percent.

Ancient history? Maybe...until you realize that we're in something of a freefall ourselves. From July of 07 to July of 08, stocks also fell 20%. Have we hit bottom yet? Not according to the Royal Bank of Scotland, the bank that produces those funny commercials. Bob Janjuah, a senior credit analyst there, is warning of a stock market crash in the autumn. Not exactly something to put a grin on your face.

THE DREADED "HOBSON'S CHOICE" THIS FALL

#6/ Speaking of Bob Janjuah, he referenced Hobson's Choice in discussing the likelihood of a market crash in the fall. Hobson's Choice is one of those paradoxes-a "damned if you do, damned if you don't" kind of thing- that refers to a free choice where only one option makes sense...but nobody wants to even think about taking that one.

In this case, the choice will be between rampaging inflation and higher interest rates. The obvious choice would be to raise rates...though the Fed doesn't want to be caught dead doing that. The consequence may well be a contracting stock market-Janjuah's collapse. In truth, he may have some credibility in these matters; he accurately predicted the beginning of the current mess, last year's credit crunch.

#5/ The world no longer finds our debt amusing, and that includes our debt-devouring pal, China. Merrill Lynch recently warned that the U.S. could face a foreign "financing crisis" as the "full consequence of the Fannie Mae and Freddie Mac mortgage debacle spread through the world." Unfortunately, America still needs some $2 billion a day in foreign capital, one way or another, to service its current account deficit.

So what happens if we end up defaulting? Will the world foreclose on us?

DOLLAR DEPOSED AT THE WORLD'S CURRENCY?

#4/ The price of gas may be the wild card in this 2008 version of recession/depression. In the 1930s, energy prices were a non-factor-a gallon of gas cost about 10. This time around, however, the cost of getting to work would cut deeply into the cost of eating and the cost of staying out of the weather. So while recessions, even depressions, come and (eventually) do go, today's one-of-a-kind energy costs may prolong the economic misery and delay any recover. And that's some pretty serious stuff.

#3/ The aforementioned Nouriel Roubini had this alarming forecast on our tanking dollar: "The Bretton Woods 2 regime of fixed exchange rates to the US dollar...will unravel-as the first Bretton Woods regimes did in the early 1970s-as US twin deficits, recession, financial crisis and rising commodity and goods inflation in emerging market economies will destroy the basis for its existence." Not exactly a laughing matter.

#2/ Should the dollar go the way of the dodo, as horrible as that sounds, investors would have to get pretty agile pretty fast in deploying their assets into currency-proof investments. The 1930's depression was deflationary; the smart investor back then found the antidote by getting liquid early on. This time around, should we face another depression, it will likely come in the fiendish form of hyper-stagflation and a collapse in confidence...both of which can be successfully treated with gold.

AND NUMBER ONE ON THE LIST...

#1/ We still have to deal with financial "experts" like famed economist John Maynard Keynes, who said in 1927, "We will not have any more crashes in our time."

Come to think of it...that iskind of funny. *

You've seen him on Fox News Television and heard him on the Rush Limbaugh Show. He's a published author, writer and an expert guest on more than 1000 radio programs discussing today's economy and gold.

Kevin DeMeritt, President of Lear Capital, is a nationally renowned analyst whose insight into the future of domestic and global economies is unmatched. And, now more than ever, his insights are welcome by nervous investors. Visit http://www.LearCapital.com for all the help you need.

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The perfect part I needed, in new condition. Arrived FAST just like I needed it to.

There are more than thirty varieties of vacuum cleaners available in the market, which are sourced from different manufacturers. Customers also have the option of buying a used, refurbished, or wholesale vacuuming device. Customers who want to buy a vacuum should conduct a comparative study analysis to select the most suitable vacuum among available options.

Vacuum cleaners can be compared using different product criteria, such as the cost of the player, manufacturer's profile, after-sales service, and warranty period. This can be done by using an excel spreadsheet or other software. Product analysis freeware is also available on the Internet websites and can be used to compare and select the most cost effective vacuuming device.

Different models of vacuums can be compared based on wattage, which defines the power of electrical motors used inside these devices, length of power cord supplied with the original equipment, the holding capacity of garbage bag, and the number of attachments provided with the device. Battery operated vacuums are compared based on their average working time on a single charge.

Customer reviews can also be used to compare different vacuum models. Reviews are written by vacuum cleaner users who describe their experiences about different brands manufactured by different companies. A number of websites are completely dedicated to providing information about vacuum cleaner reviews, which can be used to gather information on the benefits and drawbacks of different products.

After comparing, different brands of vacuuming devices are rated on a scale of one to five, which is commonly known as star ratings. A rating of four and above indicates that the vacuum is good and can be purchased. Vacuums that are rated below three usually do not have advanced features and may have inherent defects. Customers who do not have in-depth knowledge about electrical devices should opt for a vacuuming model that is rated in the range of four to five.

Vacuums provides detailed information on Vacuums, Industrial Vacuums, Leaf Vacuums, Commercial Vacuums and more. Vacuums is affiliated with Upright Vacuum Cleaners .

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Espresso Roast Art Print Poster By Darrin Hoover, 13 " x 17 "

Shop for Espresso Roast Poster Print by Darrin Hoover at Motivational Art Prints. Over 400k posters, art prints, artwork, lithographs, and photographs online. Custom framing is available. Framing your favorite art print has never been easier. PosterExpo introduces a friendly and exciting way to view your customized framed art. All mouldings are high-quality, elegant choices at affordable prices and come in a variety of colors and finishes. Each print is first mounted onto an acid-free foam-board to prevent creasing and warping, and then glazed using picture grade framer's Plexiglass. All frames ship ready-to-hang and include the necessary hardware.

"Admit it, mes amis, the rugged individualism and cutthroat capitalism that made America the land of unlimited opportunity has been shrink-wrapped by half a dozen short sellers in Greenwich, Conn., and FedExed to Washington, D.C., to be spoon-fed back to life by Fed Chairman Ben Bernanke and Treasury Secretary Hank Paulson. We're now no different from any of those Western European semi-socialist welfare states that we love to deride."

-Bill Saporito, "How We Became the United States of France," Time (September 21, 2008)

Last night, the Presidential candidates had their last debate before the election. They talked of the baleful state of the economy and the stock market; but omitted from the discussion was what actually caused the credit freeze, and whether the banks should be nationalized as Treasury Secretary Hank Paulson is now proceeding to do. The omission was probably excusable, since the financial landscape has been changing so fast that it is hard to keep up. A year ago, the Dow Jones Industrial Average broke through 14,000 to make a new all-time high. Anyone predicting then that a year later the Dow would drop nearly by half and the Treasury would move to nationalize the banks would have been regarded with amused disbelief. But that is where we are today.1

Congress hastily voted to approve Treasury Secretary Hank Paulson's $700 billion bank bailout plan on October 3, 2008, after a tumultuous week in which the Dow fell dangerously near the critical 10,000 level. The market, however, was not assuaged. The Dow proceeded to break through not only 10,000 but then 9,000 and 8,000, closing at 8,451 on Friday, October 10. The week was called the worst in U.S. stock market history.

On Monday, October 13, the market staged a comeback the likes of which had not been seen since 1933, rising a full 11% in one day. This happened after the government announced a plan to buy equity interests in key banks, partially nationalizing them; and the Federal Reserve led a push to flood the global financial system with dollars.

The reversal was dramatic but short-lived. On October 15, the day of the Presidential debate, the Dow dropped 733 points, crash landing at 8,578. The reversal is looking more like a massive pump and dump scheme - artificially inflating the market so insiders can get out - than a true economic rescue. The real problem is not in the much-discussed subprime market but is in the credit market, which has dried up. The banking scheme itself has failed. As was learned by painful experience during the Great Depression, the economy cannot be rescued by simply propping up failed banks. The banking system itself needs to be overhauled.

A LITANY OF FAILED RESCUE PLANS

Credit has dried up because many banks cannot meet the 8% capital requirement that limits their ability to lend. A bank's capital - the money it gets from the sale of stock or from profits - can be fanned into more than 10 times its value in loans; but this leverage also works the other way. While $80 in capital can produce $1,000 in loans, an $80 loss from default wipes out $80 in capital, reducing the sum that can be lent by $1,000. Since the banks have been experiencing widespread loan defaults, their capital base has shrunk proportionately.

The bank bailout plan announced on October 3 involved using taxpayer money to buy up mortgage-related securities from troubled banks. This was supposed to reduce the need for new capital by reducing the amount of risky assets on the banks' books. But the banks' risky assets include derivatives - speculative bets on market changes - and derivative exposure for U.S. banks is now estimated at a breathtaking $180 trillion. The sum represents an impossible-to-fill black hole that is three times the gross domestic product of all the countries in the world combined. As one critic said of Paulson's roundabout bailout plan, "this seems designed to help Hank's friends offload trash, more than to clear a market blockage."2

By Thursday, October 9, Paulson himself evidently had doubts about his ability to sell the plan. He wasn't abandoning his old cronies, but he soft-pedaled that plan in favor of another option buried in the voluminous rescue package - using a portion of the $700 billion to buy stock in the banks directly. Plan B represented a controversial move toward nationalization, but it was an improvement over Plan A, which would have reduced capital requirements only by the value of the bad debts shifted onto the government's books. In Plan B, the money would be spent on bank stock, increasing the banks' capital base, which could then be leveraged into ten times that sum in loans. The plan was an improvement but the market was evidently not convinced, since the Dow proceeded to drop another thousand points from Thursday's opening to Friday's close.

One problem with Plan B was that it did not really mean nationalization (public ownership and control of the participating banks). Rather, it came closer to what has been called "crony capitalism" or "corporate welfare." The bank stock being bought would be non-voting preferred stock, meaning the government would have no say in how the bank was run. The Treasury would just be feeding the bank money to do with as it would. Management could continue to collect enormous salaries while investing in wildly speculative ventures with the taxpayers' money. The banks could not be forced to use the money to make much-needed loans but could just use it to clean up their derivative-infested balance sheets. In the end, the banks were still liable to go bankrupt, wiping out the taxpayers' investment altogether. Even if $700 billion were fanned into $7 trillion, the sum would not come close to removing the $180 trillion in derivative liabilities from the banks' books. Shifting those liabilities onto the public purse would just empty the purse without filling the derivative black hole.

Plan C, the plan du jour, does impose some limits on management compensation. But the more significant feature of this week's plan is the Fed's new "Commercial Paper Funding Facility," which is slated to be operational on October 27, 2008. The facility would open the Fed's lending window for short-term commercial paper, the money corporations need to fund their day-to-day business operations. On October 14, the Federal Reserve Bank of New York justified this extraordinary expansion of its lending powers by stating:

"The CPFF is authorized under Section 13(3) of the Federal Reserve Act, which permits the Board, in unusual and exigent circumstances, to authorize Reserve Banks to extend credit to individuals, partnerships, and corporations that are unable to obtain adequate credit accommodations. . . .

"The U.S. Treasury believes this facility is necessary to prevent substantial disruptions to the financial markets and the economy and will make a special deposit at the New York Fed in support of this facility."3

That means the government and the Fed are now committing even more public money and taking on even more public risk. The taxpayers are already tapped out, so the Treasury's "special deposit" will no doubt come from U.S. bonds, meaning more debt on which the taxpayers have to pay interest. The federal debt could wind up running so high that the government loses its own triple-A rating. The U.S. could be reduced to Third World status, with "austerity measures" being imposed as a condition for further loans, and hyperinflation running the dollar into oblivion. Rather than solving the problem, these "rescue" plans seem destined to make it worse.

THE COLLAPSE OF A 300 YEAR PONZI SCHEME

All the king's men cannot put the private banking system together again, for the simple reason that it is a Ponzi scheme that has reached its mathematical limits. A Ponzi scheme is a form of pyramid scheme in which new investors must continually be sucked in at the bottom to support the investors at the top. In this case, new borrowers must continually be sucked in to support the creditors at the top. The Wall Street Ponzi scheme is built on "fractional reserve" lending, which allows banks to create "credit" (or "debt") with accounting entries. Banks are now allowed to lend from 10 to 30 times their "reserves," essentially counterfeiting the money they lend. Over 97 percent of the U.S. money supply (M3) has been created by banks in this way. The problem is that banks create only the principal and not the interest necessary to pay back their loans. Since bank lending is essentially the only source of new money in the system, someone somewhere must continually be taking out new loans just to create enough "money" (or "credit") to service the old loans composing the money supply. This spiraling interest problem and the need to find new debtors has gone on for over 300 years -- ever since the founding of the Bank of England in 1694 - until the whole world has now become mired in debt to the bankers' private money monopoly. As British financial analyst Chris Cook observes:

"Exponential economic growth required by the mathematics of compound interest on a money supply based on money as debt must always run up eventually against the finite nature of Earth's resources."4

The parasite has finally run out of its food source. But the crisis is not in the economy itself, which is fundamentally sound - or would be with a proper credit system to oil the wheels of production. The crisis is in the banking system, which can no longer cover up the shell game it has played for three centuries with other people's money. Fortunately, we don't need the credit of private banks. A sovereign government can create its own.

THE NEW DEAL REVISITED

Today's credit crisis is very similar to that facing Franklin Roosevelt in the 1930s. In 1932, President Hoover set up the Reconstruction Finance Corporation (RFC) as a federally-owned bank that would bail out commercial banks by extending loans to them, much as the privately-owned Federal Reserve is doing today. But like today, Hoover's plan failed. The banks did not need more loans; they were already drowning in debt. They needed customers with money to spend and to invest. President Roosevelt used Hoover's new government-owned lending facility to extend loans where they were needed most - for housing, agriculture and industry. Many new federal agencies were set up and funded by the RFC, including the HOLC (Home Owners Loan Corporation) and Fannie Mae (the Federal National Mortgage Association, which was then a government-owned agency). In the 1940s, the RFC went into overdrive funding the infrastructure necessary for the U.S. to participate in World War II, setting the country up with the infrastructure it needed to become the world's industrial leader after the war.

The RFC was a government-owned bank that sidestepped the privately-owned Federal Reserve; but unlike the private banks with which it was competing, the RFC had to have the money in hand before lending it. The RFC was funded by issuing government bonds (I.O.U.s or debt) and relending the proceeds. The result was to put the taxpayers further into debt. This problem could be avoided, however, by updating the RFC model. A system of public banks might be set up that had the power to create credit themselves, just as private banks do now. A public bank operating on the private bank model could fan $700 billion in capital reserves into $7 trillion in public credit that was derivative-free, liability-free, and readily available to fund all those things we think we don't have the money for now, including the loans necessary to meet payrolls, fund mortgages, and underwrite public infrastructure.

CREDIT AS A PUBLIC UTILITY

"Credit" can and should be a national utility, a public service provided by the government to the people it serves. Many people are opposed to getting the government involved in the banking system, but the fact is that the government is already involved. A modern-day RFC would actually mean less government involvement and a more efficient use of the already-earmarked $700 billion than policymakers are talking about now. The government would not need to interfere with the private banking system, which could carry on as before. The Treasury would not need to bail out the banks, which could be left to those same free market forces that have served them so well up to now. If banks went bankrupt, they could be put into FDIC receivership and nationalized. The government would then own a string of banks, which could be used to service the depository and credit needs of the community. There would be no need to change the personnel or procedures of these newly-nationalized banks. They could engage in "fractional reserve" lending just as they do now. The only difference would be that the interest on loans would return to the government, helping to defray the tax burden on the populace; and the banks would start out with a clean set of books, so their $700 billion in startup capital could be fanned into $7 trillion in new loans. This was the sort of banking scheme used in Benjamin Franklin's colony of Pennsylvania, where it worked brilliantly well. The spiraling-interest problem was avoided by printing some extra money and spending it into the economy for public purposes. During the decades the provincial bank operated, the Pennsylvania colonists paid no taxes, there was no government debt, and inflation did not result.

Like the Pennsylvania bank, a modern-day federal banking system would not actually need "reserves" at all. It is the sovereign right of a government to issue the currency of the realm. What backs our money today is simply "the full faith and credit of the United States," something the United States should be able to issue directly without having to draw on "reserves" of its own credit. But if Congress is not prepared to go that far, a more efficient use of the earmarked $700 billion than bailing out failing banks would be to designate the funds as the "reserves" for a newly-reconstituted RFC.

Rather than creating a separate public banking corporation called the RFC, the nation's financial apparatus could be streamlined by simply nationalizing the privately-owned Federal Reserve; but again, Congress may not be prepared to go that far. Since there is already successful precedent for establishing an RFC in times like these, that model could serve as a non-controversial starting point for a new public credit facility. The G-7 nations' financial planners, who met in Washington D.C. this past weekend, appear intent on supporting the banking system with enough government-debt-backed "liquidity" to produce what Jim Rogers calls "an inflationary holocaust." As the U.S. private banking system self-destructs, we need to ensure that a public credit system is in place and ready to serve the people's needs in its stead.

--------------------------------------------------------------------------------

1 Michael Hiltzik, Ken Bensinger, "Bank Rescue Plan to Test Capitalism," Los Angeles Times(October 12, 2008).

2 Ian Welsh, "Paulson to Use Fannie and Freddie as Conduit to Bail Out His Friends," firedoglake.com (October 11, 2008).

3 "Commercial Paper Funding Facility: Frequently Asked Questions," newyorkfed.org (October 14,2007).

4 Chris Cook, "A New Dawn for Iran," Asia Times (October 9, 2008).

Ellen Brown, J.D., developed her research skills as an attorney practicing civil litigation in Los Angeles. In "Web of Debt," her latest book, she turns those skills to an analysis of the Federal Reserve and "the money trust." She shows how this private cartel has usurped the power to create money from the people themselves, and how we the people can get it back. Her websites are http://www.webofdebt.com/ and http://www.ellenbrown.com/

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Hoover 40201270 Agitator Belts, 2 belt pack

Hoover, 2 Pack, Duros Power Nozzle Canister Belt.
Customer Review: A spare
I was unable to find these agitator belts in my area, and I was glad to find it here. It's quite convenient to purchase it with Amazon. Good price and fast shipping. Excellent service.

Friend, what is the bottom line for you in purchasing an air filter for your home? Is it to improve the over all quality of your indoor air? Sure, be that as it may, you require careful consideration in order to find and purchase the proper air filter system suitable for your particular home. An air filter that is just humming noisily only makes its presence felt, but the job might not be done after all. There are several air filter manufacturers on the market, all claiming that their brands are the best or at most does what it claims in both the brochure and manual, but as you must know, all brands don't have the same quality. However, below are the five air filter market leaders and their different brands and claims:

1. Honeywell was founded in 1885. Their products range from humidifiers, thermostats with eight popular air filters types:

• Replacement Media filter air filters
• Electrostatic air cleaners
• Media Air Cleaners
• Media Air filters
• HEPA Air Cleaners
• Furnace Mount Air cleaners
• Return Grille air cleaners.
• HEPA Whole House Air Cleaners that purifier indoor air in three stages through a pre-filter cleaning action, an activated carbon filtration and finally through a HEPA filter component.

Honeywell filters come with Air Watch indicators that tells when filters a due for change. The electronic Air filter is said to remove almost 98% pollutants from your home, and they all come with a 5 year warranty. 2. K&N have been manufacturing and selling their brands of air filters for over thirty years. Both their brochures and manuals claim that their traditional disposable filters are the best because they provide high quality air filtration through unrestricted air flow that encourages engine longevity: K&N's products are replacement air filters of cotton media for engines, especially motorcycles, vehicles and racing cars. They are quite popular air filters, said to improve horsepower and acceleration.

3. Furnace filters are the specialty of Air Bear Trion. Their filter products are mainly Replacement filters and Media cleaners. This company manufactures both whole house air filters and portable air filters, which Air Bear Trion claims to be the most efficient for air filtration.

4. Hunter Air Filters are the manufacturers of both QuietFlow and HEPAtech air filters. The company claims that QuietFlow and HEPAtech air filters are HEPA filters, and that depending on the quality of your indoor air, their filters can last up to six months before change becomes due. The HEPAtech runs on charcoal filters that are capable of removing most allergens, including odors. The down side of this product is that charcoal filters require frequent replacements.

5. Oreck gained popularity with their powerful Oreck XL Professional Air Purifier, which the company claims to completely purify the air in a 30'x 30' room every hour by destroying bacteria, pet dander, household dust and allergens. Oreck XL Professional is aid to have a five-stage purification process, which makes it more powerful than HEPA filter in air filtration. The five-stage system are:

• A pre-filter,
• Positive charging wires,
• A collector,
• Charcoal odor trappers and
• An air-revitalizer,

Now, you must keep several considerations in mind when choosing an air filter. As you can see every manufacturer praises their brand to be the best because of inbuilt components and functions. You must, therefore, determine your specific requirements vis--vis what an air filter is designed to remove from a particular indoor environment, to be able to make informed decision and choice.

Neshah writes for your success. He recommends Free Guide For Air Filter Cleaning for durable air filter selection tips. Industrial Air Filter Selection Guide is a road map to successful industrial air filter selection. You will do well to email this article to family, friends and colleagues, they will love it.

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Hoover SteamVac V2 Tank Seal, 93001221

Works with V2 Steam Vac models: F7205-900, F7205-910, F7205-960, F7205-970, F7210-900, F7220-900, F7221-900, F7225-900, F7226-900, F7425-900, F7426-900, F7430-900, F7431-900, F7440-980, F7441-980, F7443-940

Marketers know that a story is a good way to engage prospects. But too often the marketer wants to tell a self-serving story about the company instead of about how the company helps the prospect or customer.

Chest-thumping puffery does not sell. Tell me about how you can make me more money, save me some time, provide me work/life balance and Im listening and more likely to ring the register. Otherwise, save your time and money because I just tuned out.

Do you know why people buy your product? I often do customer interview projects for clients to help them uncover the reasons people buy from them. This is the best way that I have found.

But Author Geoff Aylings book Rapid Response Advertising provides an excellent list of 51 reasons why people buy. Lets review a few and maybe youll see some that resonate with you:

1. To make more money

2. To save money this is the most important reason to 14% of the population

3. To attract praise

4. To increase enjoyment

5. To possess things of beauty

6. To avoid criticism

7. To make their work easier

8. To speed up their work

9. To keep up with the Joneses

10. To feel opulent

11. To look younger

12. To become more efficient

13. To buy friendship

14. To avoid effort

15. To escape or avoid pain

16. To communicate better

17. To be in style

18. To avoid trouble

19. To protect their family

20. To express love

Harry Hoover is a partner in My Creative Team. He has 30 years of experience in crafting and delivering bottom line messages that ensure success for serious businesses like Bank of Commerce, The Bray Law Firm, Brent Dees Financial Planning, CruisingTheICW.com, Duke Energy, Focus Four, Levolor, North Carolina Tourism, TeamHeidi, Ty Boyd Executive Learning Systems, VELUX, and Verbatim.

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