Consumer’s Right

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Your Credit Report

May 24th, 2009 · No Comments

Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. Under the Fair Credit Reporting Act:

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BT Telemarketer Encounters Consumer At His Last Straw

April 25th, 2009 · 11 Comments

brownlee asked:

BT Telemarketer Encounters Consumer At His Last Straw

Posted by Nikhil Gupta

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Psychology of Consumer Behaviour

April 23rd, 2009 · 15 Comments

kehamilt asked:

A General Education college elective GSSC1026 Psychology of Consumer Behaviour introduction video

Posted by Nikhil Gupta

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DTV 101: A Consumer’s Guide to Digital Television

April 3rd, 2009 · 20 Comments

dtvtransition asked:

Enter CEA’s Digital TV: Convert Now! Contest by visiting youtube.com/dtvtransition

Posted by Nikhil Gupta

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Money Saving Tips With Internet Online Shopping

March 29th, 2009 · No Comments

Start Saving Today And Living Debt Free With Great Money Saving Tips asked:

Learn great money saving tips with online shopping as they could really give you huge savings if you practice them well. Internet online shopping has been gathering popularity as you can easily sift through many online stores in the shortest time frame to get the best deal, at the click of a mouse button. With discount vouchers, discount codes or promotional codes, you can save even more when shopping online.

5 Essential Money Saving Tips With Internet Online Shopping

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The Victory Garden

March 27th, 2009 · No Comments

Sandy Powers asked:

The Victory Garden

During World War Two, the government encouraged individuals to contribute to the war effort by providing their own fruits and vegetables. The call to plant “Victory Gardens” was a call to patriotism to do your part. Being as my father was as patriotic as the next man, this particular call was answered by him with great zeal. He immediately began making plans for The Victory Garden. Not an easy task since we lived in the city in a small city house on a small city lot. But my father’s patriotism was second to none so we five kids lost our backyard. Our backyard remained The Victory Garden long after the war ended. Years dimmed my memory of The Victory Garden until the summer of 2005. That was the summer I was diagnosed with breast cancer and a liver problem.

The cancerous tumor was located in a spot that required a mastectomy. The liver problem prevented further cancer treatment. I knew I had to find an alternative treatment for healing. Then I remembered The Victory Garden. My father took great pride in his “fresh, wholesome food.” At that moment I knew I had found my alternative treatment. But I wasn’t a gardener. I never grew a vegetable in my life. In fact, all the flowers around my house were artificial. How do I begin? There must something to genetics because I approached My Victory Garden with the same zeal as my father. Much to the chagrin of my husband, we lost our lanai.

Down from the attic came the storage boxes that were bought, but never used, to put the closets in order. Holes were drilled in the bottom of the boxes for proper drainage. My bemused husband carried cement blocks onto the lanai to place the boxes upon for easy planting and weeding. Several trips to Lowe’s for organic soil and plants and I was in business. My first plantings were several types of tomatoes, several sweet bell pepper plants, cucumbers, potatoes, and summer squash. I supplemented with organic produce from local farm markets and grocery stores. Soon, my entire diet became organic. In six months time, my liver was healed. I have remained on my “fresh, wholesome food” to fight cancer recurrence.

My Victory Garden and I are doing just fine.

Sandy Powers

Posted by Nikhil Gupta

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The Environment and Nature

March 26th, 2009 · No Comments

nadia cherubin asked:

How a positive spin is great on protecting the environment and experiencing life to the fullest while embracing the power of nature.

Centuries have passed while putting a positive spin on protecting the environment.

First and foremost, you’d want to prevent fires. especially forest fires by keeping it green from classic to elegant for industries that built our towns, communities and cities. Although, they say that coal, timbers, and glass all have played an important role into what we have begun and what we have to offer.

However, the beauty has evolved through towns and people have always sought new heights into protecting the environment to the highest point amidst the beauty by putting a positive spin on it. Meaning: high peaks and the highest point in the environment. So you’d want to make it a phenomenal view for nature watching in order to plan vacations and relax. first, you would have to keep everything right next to where you’d want to record everything happening in the environment to just keeping it fresh and clean.

You’d also want to multi-surface and multi-task. although, it’s a known fact that fresh plants make your environment gloomy and dreary and you wouldn’t want to leave the environment in perils. so, you’d definitely want to reshape the environment and just wouldn’t want to wait another minute for a bad look to come about.

However, putting a signature spin on protecting nature which changes a lot especially if someone else is trying to put negative spins on everything else around it because everyone knows that each winter blasts that we have, usually blankets the country and throughout the whole Tri-state area. Although, people have made too many priorities that weren’t kept when dealing with the environment.

for instance: Wintery precipitation is like this: how you pick your car, is like picking a crop and like paving away from what is reality and what’s not reality.

The cattle: Thinking of the cattle, farms, and crops you’ll need fresh crops with finishing touches on everything else around you in order to build the economy for consumer rights.

With tree recycling: You should remove all dead branches meaning you’ll need to landscape.

The mountains: Mountains make it an awesome place on the planet spectacular and want to explore the amazing outdoors and surroundings and you’d want to be able to enjoy the great outdoors in order to be able to have it where the animals and birds can breathe and run around.

However, having a positive spin on protecting the environment is a spirit of adventure with a bold new attitude and determination with a spiritual eloquence almost like a land of enchantment with the whole palm springs look which brings modern ingenuity. however, its a place where people might want to have a positive look on protecting the environment to where you can grow and maintain fresh crops in order to eat great and make the environment a special place to discover.

Although, a changing environment will continue to affect people in many different parts of the world in unique ways and statistics on the environment provides an excellent way for us to determine whether the environment is improving or worsening. humans are treating the environment better or worse than they have done in the past.

Although, pollution, hazardous waste, and many other environmental problems usually creates a major health threat for people around the world which is an environmental health organization that works with agencies in the developing world to try to eradicate harmful diseases. we can also make significant strides to improve the planet that we share by doing this.

VIP: We should recycle

-eliminate the use of electrical appliances for things that you can easily do by hand.

-Use cold water in the washer whenever possible

-don’t ever leave water running needlessly

-flush the toilet less often

-recycle cans, bottles, paper bags and definitely, recycle your christmas tree.

And last, but not least: teaching children t respect nature and the environment.

If we don’t do these steps and teach our children to do those things involving the environment and our surroundings and then we wouldn’t have a positive spin and it would continue to leave a negative spin on the world.

Posted by Nikhil Gupta

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The Environment and Subtle Garbage by Gita Saraydarian

March 22nd, 2009 · No Comments

Gita Saraydarian asked:

We cannot change the world for the better if we limit ourselves only to the tangible things that people do and do not do. Our emotions, thoughts, and choices that we make have a huge impact on the environment as a whole.

All of life is one. Our environment can be the biggest we can fathom to the smallest that we can put our arms around. So, let us consider what our thoughts, feelings, and spiritual striving have to do with our environment:

Every time we take action, we see an immediate or delayed impact on life around us. Every time we feel something, it has power and energy. It goes out of our emotional body and affects everyone and everything around us. Consider how you feel after being angry or irritated. Your body has changed chemically and others around have felt that anger and irritation. These emanations are even impressed on the objects that are around you. Consider how you feel if you wear a piece of clothing that someone gives you and you feel “icky” wearing it. Jewelery, clothing, furnishings all carry our emanations. So do our homes and gardens and even the foods we cook. They are all influenced by our feelings, thoughts, and spiritual striving!

Every time you think something, your thought currents have a powerful effect on your body and environment. Scientific experiments have shown how our thoughts influence our health and the condition of our bodies. Our thoughts also affect the very material environment around us and also affect all living organisms around us. Animals and plants feel our emotions and thoughts. The mineral kingdom is also impacted by our thoughts and our feelings. Furniture and homes and walls absorb our emanations. Consider why some homes or places you visit have a positive energy and feelings of well being, whereas other places make us uncomfortable and agitated.

Every time we strive spiritually to better ourselves, our outer life takes on a new meaning. What we are on the inside changes our life. Our relations change, our work changes, and our environment changes. In fact, a great thinker of the Wisdom Teachings wrote that our very thinking, feeling, and striving (or lack thereof) have a direct influence on the weather patterns and environmental disasters that humanity experiences. What we do in one part of the world will have an effect somewhere in the world. He states “These thoughts, emotions, and deeds are actually charges of energy which not only penetrate the great ocean of energy, but which also build cloudy formations around the globe. When such formations reach a certain point of density, power and radioactivity, they cause great destructive or constructive effects upon the kingdoms of the globe. The nature of their content, or their polarisation, determines whether the effect will be destructive or constructive. These cloudy formations either channel global energy or hinder its flow, for good or for destructive purposes.” (Earthquakes and Disasters by Torkom Saraydarian, p. 5)

My approach to environmental improvement includes this multi-leveled approach. When we are able to see this progressive and complex approach, we can easily see that wherever a person has a more holistic and multi-leveled approach to change, their actions are clear and simple. The environment will improve and we can avert disasters when we are able to change our consciousness.

Why do some people quickly see the dangers of their actions and some do not? I see people throwing garbage out of their cars without any feeling whatsoever; after all, it is not their living room, just a road. But someone has to pick up this garbage and it does pollute and create ugliness for others who travel that road. Yet there are others who think more holistically and they volunteer to pick up garbage from the roadside!

What about those who continuously exude filthy language in ways spoken and written, think hurtful and abusive thoughts, and feel ugly feelings and are seething with anger toward others? Those subtle emanations also go out of each person and fill up space. Great spiritual thinkers show us why we need to clean up our life from the inside out, and from the outside in.

When I see people who easily and automatically want to re-cycle, be environmentally sensitive, I see people who have an inner barometer for cleanliness and responsibility. I see the same traits of responsibility when I see someone who consciously chooses to clean up his or her emotions and thoughts and stop the flow of toxicity from their inner being. Whether the toxic waste is garbage thrown out of the car, or if it is garbage spewed out from the mouth or thoughts, these are just as polluting as the material garbage. When we see hateful and ugly thoughts coming from people, we don’t want to be around them. We can feel these subtle emanations.

Slowly we are developing instruments that measure the effect of our feelings and thoughts and actions, expressed or internal. Great spiritual teachers have always warned us about the ill effects of toxic emotions and thoughts. Now we are seeing the results of human toxicity. Our thoughts and feelings travel around space as fast as an email or Internet post does, maybe even faster. If written Blogs can have an effect on others and help change policy, what about the effects of our feelings and thoughts and practices? After all, these are just as real as written Blogs!

So, I would like to see this day dedicated to cleaning up the environment from the subtle side of our lives as well as the material parts of life. I feel strongly that the issues facing humanity today cannot be approached only from the material end alone. A multi-leveled approach is needed. We can each do something right now to clean up our actions, emotions, and thoughts. We can become aware of the kinds of emotions and thoughts we are continuously sending out of our life every minute. My feeling is that we put out much more “subtle garbage” on a daily basis than we do material garbage. And, the inner source of garbage is what influences the way we behave outwardly. It is that inner source or inner condition that we have that makes us choose to pollute or to live responsibly toward all of life. Without a real change in human consciousness, how can the end result of that consciousness, in the life choices that people make, ever change?

We are not isolated bodies in the larger body of humanity. We are not isolated nations or countries in the life of the Planet. We are not simple physical beings in the complex life of the planet. We need to approach this issue of what defines environment from the complexity of human life and even take into account the life of subtle beings all around us.

I am happy to see that humanity considers environmental issues an important part of our dialogue. I especially congratulate The Nobel Peace Prize Committee and Al Gore for their recognition of the importance of our environment. Now, let us take this a step further and deeper, and start to consider the inner workings of human beings and how much toxicity and pollution comes out of our inner life, or, alternatively, how much beauty and goodness and healing can flow out of each human being toward others and toward all of life.

Thank you.

Gita

References on the inner life and possibilities for our future lives by Torkom Saraydarian:

Entering the New Millennium

Olympus World Report, the Year 3000

Earthquakes and Disasters, Video clips of Torkom’s live lectures are available on U tube.

Posted by Nikhil Gupta

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Know What You Need to Create a Vegetable Garden

March 19th, 2009 · No Comments

Joey Simmons asked:

In deciding ahead the location for the home vegetable backyard it is well to dispose once and for all the old idea that the connive “model” must be a hostile blemish in the home surroundings. If thoughtfully planned, wisely planted and thoroughly cared for, it may be made an exquisite and harmonious article of the general system, lending a join of comfortable homeliness that no bushes, limits, or beds can ever create.

With this detail in thinker we will not feel restricted to any part of the premises simply because it is out of prospect behind the shed or garage. In the mode moderate-sized place there will not be much span as to land. It will be needed to take what is to be had and then do the very best that can be done with it. Nevertheless there will maybe be a good covenant of option as to, first, exposure, and minute, convenience. Other gear being parallel, select a site near at hand, tranquil of access. It may appear that a difference of only a few hundred yards will mean nothing, but if one is depending basically leading very moments for effective in and for watching the patch and in the budding of many vegetables the later is almost as important as the past this material of convenient access will be of much better importance than is possible to be at first recognized. Not pending you have had to make a dozen time-slaying trips for beyond seeds or tools, or gotten your feet soaking wet by going out through the dew-sodden grassland, will you fulfill effusive what this may mean.

Exposure.

——— But the thing of first importance to think in picking out the recognize that is to yield you happiness and delicious vegetables all summer, or even for the existence, is the exposure. Pick out the “first” perceive you can find a plot slanting a little to the south or east, that seems to ensnare sunshine early and store it deceased, and that seems to be out of the directly corridor of the chilling north and northeast winds. If a structure, or even an old fence, protects it from this focus, your backyard will be helped along wonderfully, for an early flinch is a great big aspect near victory. If it is not already confined, an enter fence, or an encircle of some low-upward shrubs or little evergreens, will add very intensely to its usefulness. The importance of having such a protection or shelter is altogether underestimated by the amateur.

The soil.

———

The odds are that you will not find a site of archetype patch soil eager for use anywhere leading your place. Nevertheless all except the very worst of soils can be brought up to a very high amount of productiveness especially such small areas as home vegetable gardens demand. Large tracts of soil that are almost clean smooth, and others so violent and filthy that for centuries they lay uncultivated, have frequently been brought, during only a the being, to where they yield annually tremendous crops on a commercial basis. So do not be discouraged about your soil. Proper medicine of it is much more important, and a backyard patch of mode run-down, or “never-brought-up” soil will harvest much more for the bouncing and watchful gardener than the richest smidgen will grow under usual methods of cultivation.

The archetype backyard soiled is a “affluent, filthy earth.” And the truth cannot be overemphasized that such soils generally are made, not found. Let us analyze that description a bit, for right here we come to the first of the four all-important factors of farming food. The others are cultivation, wetness and temperature. “Rich” in the gardener’s vocabulary means sated of hide food; more than that and this is a peak of essential importance it means satiated of yard food disposed to be worn at once, all arranged and apply out on the garden agenda, or instead in it, where budding effects can at once make use of it; or what we name, in one word, “open” bury food. Practically no soils in long- inhabited communities continue artlessly resonant enough to give big crops. They are made moneyed, or kept valuable, in two conduct; first, by cultivation, which helps to change the raw workshop food stored in the soil into available forms; and jiffy, by manuring or adding plant food to the soil from outer sources.

“Sandy” in the gist here used, means a soil containing enough particles of sand so that water will toss through it lacking exit it whitish and sticky a few living after a torrent; “light” enough, as it is called, so that a handful, under normal conditions, will submit and reduce apart swiftly after being pressed in the hand. It is not necessary that the soil be sandy in appearance, but it should be friable.

“Loam: a deep, friable soil,” says Webster. That scarcely covers it, but it does depict it. It soil in which the sand and clay are in fitting proportions, so that neither intensely predominate, and typically gloom in flush, from cultivation and enrichment. Such a soil, even to the untrained eye, just obviously looks as if it would grow effects. It is remarkable how cursorily the undivided rude appearance of a part of well cultivated ground will change. An instance came under my notice last descend in one of my fields, where a strip containing an acre had been two existence in onions, and a little piece jutting off from the midpoint of this had been prepared for them just one season. The relax had not normal any extra manuring or cultivation. When the sphere was plowed up in the tumble, all three sections were as distinctly noticeable as while separated by a fence. And I know that next bounce’s crop of rye, before it is plowed under, will show the defenses of demarcation just as plainly.

Posted by Nikhil Gupta

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Apply For Credit Card-Getting Approved For A Credit Card Can Be Difficult

March 18th, 2009 · No Comments

credit cards rates asked:

Getting approved for a credit card can be difficult without a positive credit history working in your favor. It’s a Catch-22: To obtain a credit card, you need a good credit history. But to have a good credit history, you need to establish good credit!

This no-win cycle can keep people with a non-existent, limited or negative credit history from getting approved for a credit card. But it doesn’t have to if you understand the type of credit cards available and how to build a good credit history.

When it comes to credit cards, the type of card you apply for will depend on your situation. If you’re a student, you’ll, naturally, sign up for a student card. But if you’re a non-student with a non-existent or bad credit history, a card that is secured or obtained with a co-signer may be your best option. With co-signed credit cards, the co-signer guarantees and is responsible for the debt. This means that the co-signing person is responsible for paying the full amount of the debt if the card holder doesn’t pay. In fact, when co-signed debt goes into default, three out of four times co-signers are normally asked to repay what is owed, according to the Federal Trade Commission.

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