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By Rosanna Cooper Good News for Employers wishing to change the terms of employment of employees, however, employers must still take care. In Scott & Co v Richardson [2005], the Dependant, Mr Richardson, who worked for a Scottish firm of debt collectors, refused to accept his new terms of employment which required him to visit defaulting debtors during the evenings. Mr Richardson agreed to work evenings but only if this would continue to attract overtime payments as had previously been the case. Scott & Co tried for seven months to persuade Mr Richardson to change his mind but he refused, finally issuing an ultimatum that his employer should either accept his position or dismiss him. They chose to dismiss him. At first instance, Scott & Co claimed that the change in working conditions was required to bring the company into line with new market practices and to allow them to plan work more cheaply and effectively. Mr Richardson argued that Scott & Co had failed to prove that there were advantages to the new working arrangements and that the real reason for the changes was to save money in overtime payments. Mr Richardson succeeded in his claim for unfair dismissal and the Employment Tribunal held that it did not appear that the imposition of the shift system was of such discernible advantage that the only reasonable thing to do was to terminate the employee’s contract unless he would agree to the new arrangement. On appeal the EAT overturned this decision and held that:- A Tribunal should not ‘second guess’ an employer’s business decision; A Tribunal should evaluate whether dismissal was due to the employer’s reasonable belief that the contract changes had advantages; and The employer did not need to prove that those advantages objectively exist. This is good news for employers who can rely on the principle that the tribunal must respect their commercial decisions in assessing whether a fair reason for dismissal has been shown. However this must be tempered by another EAT decision in Forshaw and others v Archcraft Limited [2005], where the EAT relied on its own assessment that the clause in question was unreasonable and found that the dismissal was unfair. In Forshaw the EAT said that while the tribunal generally will not re-open the commercial decisions of an employer’s management, however, a reason which is genuinely held but is trivial or unworthy or whimsical will mean that the dismissal is unfair. Comment: Provided that care is taken, changes to employment terms which are supported by sound commercial reasons will be acceptable under the law. If you require further information contact us. Email: enquiries@rtcoopers.com RT COOPERS, 2005. This Briefing Note does not provide a comprehensive or complete statement of the law relating to the issues discussed nor does it constitute legal advice. It is intended only to highlight general issues. Specialist legal advice should always be sought in relation to particular circumstances. Employment solicitors, employment law, employment lawyers, employment law firm, redundancies, unfair dismissals, breach of contract, workplace disputes, TUPE Transfers, drafting employment contracts, grievance procedures, disciplinary procedures, maternity rights,discrimination, employment Disputes, suspensions, wrongful dismissal,equal pay, media copyright. Contact us at enquiries@rtcoopers.com or visit our website at http://www.rtcoopers.com Article Source: http://EzineArticles.com/?expert=Rosanna_Cooper http://EzineArticles.com/?Employment-Law:-Unfair-Dismissal—Employer-Succeeded-in-Changing-Terms-of-Employment&id=64227 dc bad credit lender unsecured loan guaranteed paycheck calculator expulsion of the money lenders from the temple

By Sharon White On the other hand, religious fanatics, superstitious beliefs, taking everything for gospel, implicit confidence, naive faith, blind belief. These are the two different sides of the same coin. So what is belief? Is it good or evil, advantageous or disadvantageous, does the society benefit from it? We have already got used to such phrases as faith undergirds morals and often hear that Christian virtues are faith, hope and charity. We have accustomed ourselves to the though that belief is a grace. But what if we try to look at it from another angle? There are several points describing belief as a dangerous moral value. The first is that belief is evil when it is backed by insufficient evidence; and wrong belief can lead to destruction, death, catastrophe. The second is belief is sinful when it is blind and staunch; because it gives no way to doubting which is a real driving force of our civilization. The third says that belief influences not only a particular person who actually believes, but many other people as well. The forth says that even if not realized in deeds, belief is still significant, because it influences persons mind and outlook. And the last one suggests thatbelief deters us from being fair, for no man holding a strong belief on one side of a question, or even wishing to hold a belief on one side, can investigate it with such fairness and completeness a if he were really in doubt and unbiased. Blind belief is as dead as its opposite complete absence of belief, absolute doubting. We cannot any longer believe in the same way as our ancestors did. While for them reason was essential for mathematics politics or science, it could not give humans access to the divine. The article was produced by the writer of masterpapers.com. Sharon White is a 5-years experienced freelance writer and a senior manager of Term Papers writing services support team. Contact her to get MBA dissertations tips and college dissertations tips. Article Source: http://EzineArticles.com/?expert=Sharon_White http://EzineArticles.com/?Belief&id=422184 canadian pay day loan association what is the tax rate claiming 1 exemption on paycheck pa personal loan philadelphia municipal court limit trouble with payday loans

By Bob Osgoodby Senior usually has the connotation of the older, especially denoting the older of two persons having the same name, as father and son. It can also mean above others in rank or length of service. We however, have attached another meaning by adding the word citizen. The term “senior citizen” has had an age attached to it. Usually at age 62 or 65 this title is bestowed, and some stores may provide discounts or other privileges when you have reached that magic number. AARP allows you to join at age 50. You can start collecting Social Security at 62, and many places have mandatory retirement at age 75. I find the term “senior citizen” however, somewhat demeaning. It somehow implies that someone is aged and infirm. Don’t get me wrong. Some of the benefits attached are worth the title. But most of the people I know in that age group, are not aged and infirm. Most are vibrant and alive, and after retiring from their “world of work” are ready for a new challenge. Some may continue as a consultant in their former line of work, others may choose something completely unrelated, or some may choose to do nothing at all. Some may be fortunate enough to have the financial wherewithal to travel and visit exotic places. Others may take up a hobby. Those who choose nothing at all will most likely join the small percentage that are aged and infirm. Today, our Seniors have an opportunity that previous generations did not. The wonderful world of the web provides something those who went before, didn’t even dream about. It can range from something as simplistic as a hobby to an exciting business. You can travel vicariously to any place in the world. We traveled to Spain a few years ago and believe it or not, I learned more about what we saw there when we returned home, and started researching things of interest we had seen on the web. If you’re planning a trip, you can find places of interest to visit, make travel arrangements, rent a car, or find accommodations. Are you a frustrated author? Why not consider writing as your hobby. You can submit your work to hundreds of online Ezines, or if you wish, start your own. I know a chap who was always interested in post card collecting. Now he can not only pursue this hobby, but has found many others online who have similar interests. They have developed quite a group of people who trade back and forth. More than half of Americans over age 60 say that computers and the Internet are making life better for them. Now that many are retired, they have the time to spend that they may not have had when working. Many use the Internet simply to keep in touch with friends and relatives. Some, who live far apart, can actually shop online at a local store where their friend lives. It also gives the “snowbirds” an ideal way to keep in touch. If you have always wanted your own business, but didn’t have the capital to invest, the web might just provide that chance. For a modest investment you can start your own business, and possibly change that hobby into a money making proposition. Like any business however, you must use “due diligence” before jumping in with both feet. There are a lot of get rich quick scams on the web, and many promise extraordinary earnings in a short time. Most of these, like the scam promising huge earnings if you help get millions of dollars out of an African country, should simply be trashed with a click of your delete key. I know another person whose hobby is gardening. She grows herbs and markets several products online. She has found a niche business that pays, and is now has her own web site. The ranks of the seniors are growing rapidly, and that fact is not being overlooked by business. Many companies are actively wooing this age group. So, if you are retired, or about to, use this wonderful tool to not only make your life richer, but help keep you young and vibrant. It is never too early to get involved, or too late. If you’re only using minimal features of your computer, why not expand your horizons? You may be surprised at what you find. Did you know that subscribers to Bob Osgoodby’s Free Ezine the “Tip of the Day” get a Free Ad for their Business at his Web Site? Great Business and Computer Tips Monday. Wednesday. and Friday. Instructions on how to place an ad are in the Newsletter. Subscribe at: http://adv-marketing.com/business/subscribe2.htm. Article Source: http://EzineArticles.com/?expert=Bob_Osgoodby http://EzineArticles.com/?Internet-Tip-of-the-Week:–Retired-or-Re-treaded&id=8560 insurance bonds no credit check uk payday loans no faxing private money to loan guaranteed personal loan with bad credit

By [http://ezinearticles.com/?expert=Dean_Shainin]Dean Shainin There are a variety of student loan repayment plans to suit different needs and financial situations, with many lenders offering a wide range of repayment options. The repayment plan that you can get will depend on the different types of loans you have, your financial circumstances and also what your needs are. If you have bank or government-issued federal student loans you have the option to choose from several repayment plans designed to make your servicing your student debt more manageable. While federal student loans have more repayment options, private loans, made without federal funds, have fewer repayment options. The main advantage of consolidating your loan is that you combine your different loans into one loan and one monthly repayment. This is not only cheaper, it is also more convenient. In order to achieve their carrier goals, most students who are not able to pay their own college fees get student loans. Due to high college fees, by the time one finishes their studies; one can have a huge student loan debt. A huge total student loan that is being repaid to several lenders at different interest rates can impact on ones financial flexibility once they finish college. The main goal of refinancing is to reduce your monthly repayments and giving an easier to manage single monthly payment. By refinancing your student loan, you are able to get a lower interest rate which enables you to make a lot of savings in the long term. If you are considering refinancing your student loans, what 3 key factors must you consider? 1. If you have two kinds of loans, make sure to refinance them separately. It is also advisable that you refinance your federal student loan first, before any other private loans. By doing this you will be able to enjoy the benefits of the low interest rate of federal loans. If you mix both loans together when refinancing, you will get a higher interest rate on the combined account. 2. Your credit history and the deal you can get with your lender will determine the rate you will get for your refinanced loan. It is therefore important your credit history be good before refinancing your student loans. 3. It is important that you research on several lenders and compare rates before you select the best refinancing deal for you. Lender facilities have different qualifications and criteria required for refinancing student loans. The majority of these lenders require you to be a graduate or out of school. So what are the two approaches in reducing your student loan total payments through refinancing? 1. You can reduce your monthly payments by extending the duration of your loan or asking for a lower interest rate. It is advisable that you get a lower interest rate because this will reduce the long-term debt of your student loan. 2. By extending the duration of your student loan, your monthly payments would be smaller. However, obtaining longer terms, the interest rates would be higher and you end up paying more. Nonetheless, this method allows you to manage your balance. While choosing the most suitable student loan refinancing program, you must ensure that the interest rate of your refinanced loan does not exceed the current consolidation rate of your loan. It is important that you do your research and compare different options and interest rates offered by different lenders. Dean Shainin is a consultant specializing in student loan consolidation. Get valuable resources, tools, information and more articles on student loan consolidation, visit this site: http://school-loans.deans-knowledgebase.com Get free valuable online tips from his: [http://school-loans.deans-knowledgebase.com/Articles/School_Loan.php]School Loan website. Article Source: http://EzineArticles.com/?expert=Dean_Shainin http://EzineArticles.com/?Student-Loan—How-To-Reduce-Your-Payments-Through-Refinancing&id=170911 payday loan lenders cash loans newport me no credit personal loan missouri signature loan bad credit

By Alan Kintel If you have been successful at devising and sticking to a weight loss plan then you should share your plan and success with others who are striving to have the same success as you. There is nothing like motivation to encourage others to stick to it and succeed and if they see it working then they are more likely to be want to stick with a plan too and gain the same success in their life. Sharing and motivating each other is the number one reason why weight loss clubs such as weight watchers have such a high success rate, knowing you are not the only one out there who is struggling and needs to shed a pounds can make a huge difference just by giving the confidence a boost. So if you have been successful in your weight loss plan then what can you do to get it out there and share it with others, here are ideas to get you started. Write a blog The Internet is an excellent place to write a blog and it enables you to get your thoughts and ideas out there to millions of people throughout the world, there are many websites that now offer free blog space and this is ideal for getting your information out. A blog space can be thought of like an online diary, your space to share thoughts, feelings and ideas and you spread it by word of mouth all over the world. Use your blog space to share your successful weight loss plan and write down all that it took to get you where you are today in detail. You can include the plan you used along with exercise routines and menus that you followed along as well as your thoughts and feelings as you went through the plan to encourage people that dieting can work. Have weekly meetings If you know a group of friends who are wanting to diet then get together and hire a local meeting hall weekly or alternate going to different homes every week for a diet club meeting. Getting together once a week means you can all get weighed together at the same time, share your highlights and console those who have faltered throughout the week. Keep written records for all members of the group and plot your progress weekly, if one of you has been particularly successful in the past with your weight loss plan then maybe you are the one to lead the group and encourage other members to follow the same plan you did. Write an e-book If you have had great success on your weight loss plan then consider writing a small e-book about your experiences and success in order to encourage others. It doesnt have to be anything fancy and all computers come with word processing software, start by mapping out from the introduction, then go through various chapters and when you have finished print it out and distribute it among friends, its a great, fun way to get your success story out there and to give others the encouragement they might need. Alan Kintel is a writer that concentrates on helping people better themselves, for cutting edge information you NEED to know check out his website at http://someofthebest.info Article Source: http://EzineArticles.com/?expert=Alan_Kintel http://EzineArticles.com/?Using-Your-Weight-Loss-Plan-to-Help-Others&id=423321 legitimat bad credit personal loan discover cash loan payday loans uk only payday loans online with no teletrack check

By Michele Pariza Wacek I’ve become enamored with the word “multiple,” especially when it pertains to business. I especially like the idea of harnessing the power of the multiple to grow your business multiple times over. There are a lot of things that can be multiple in a business, but in this article Im focusing on multiple streams of income. In a nutshell, multiple streams of income means your business has more then one way to make money. For instance, you sell products and you sell services. Those are multiple streams of incomes. Why do you need them? Below are five reasons: 1. Make money while you sleep. This is a big one for those of us who sell our time (also known as providing services). The biggest drawback to selling time is when you aren’t working, you aren’t making money. So when you’re on vacation, relaxing over the weekend or (gasp) sleeping, no money is coming into the business. But let’s say you create a product or two to sell in addition to your services. Now you’ve just created a passive income stream (passive meaning it doesn’t require yours or anyone else’s time). So if you are taking a nap or out walking the dogs, money can still be coming into your business. (What a concept!) 2. Leverage your time. This is especially true with income streams that are passive. Basically you’re making money without it taking any of your time. Therefore, you can spend your time doing something else and still enjoy money coming in from a passive income stream. This is a good way to use your time wisely. (Rather than work for an hour, get paid for an hour, you can be paid several times in several different ways during that same hour.) 3. Fill your pipeline. If all you sell is high-priced services, it can be difficult getting clients to hire you. After all, clients need to trust you and trust they’re getting a good deal for their money. If you offer products or lower-priced services, you’re giving those customers a chance to “try you out” before plunking down several thousand dollars for a major project or consulting work. Because your clients’ initial investment is lower, you have a chance to lower their resistance to hiring you. 4. Catch a variety of clients. No matter what you offer, a part of your target market is not going to be interested in hiring you. Why? Because they’d rather do it themselves. Or maybe they don’t have the money to hire you. Or maybe they do the same thing you do and would rather learn from you to better their own skills. By offering a product or a class or a group option, you’re widening your net. Not only are you able to help more people, but you’ll also be making more money doing it. 5. Diversify. The more income streams you have, the less devastating it will be to lose one. Not to be negative, but things happen. Industries change. Economies change. People want different things. If all you offer is services, and those services suddenly become obsolete, what happens to your business? Or, a more likely scenario, what if you lose your biggest client? Or a couple big clients at the same time? Sure, eventually you’ll find other clients to make up the difference, but what happens in the meantime? What if it takes a month or two or six? Your bills certainly won’t wait that long. But if you have other income streams, a dip in your services (or a dip in product income) is no longer so scary because you’ll still have money coming in. Creativity Exercise — Find time to create multiple income streams Probably the hardest part of creating multiple income streams is a lack of time, especially when your primary business is service based. So, now that you know how important it is, how are you going to find the time to start doing it? Here are a few ideas to get you thinking: * Hire a virtual assistant (VA) or bookkeeper to take care of some tasks you have no business doing anyway. * Create systems in your business so you can complete business tasks faster and more efficiently. * Raise your prices so you can take on fewer clients and make more money. * Dedicate a Saturday or Sunday to working on your business. (Be careful with this one as you could very quickly end up burning yourself out.) Get a pen and paper and do some brainstorming to see how you can find more time to start creating more income streams. Michele PW (Michele Pariza Wacek) owns Creative Concepts and Copywriting LLC, a copywriting, marketing communications and creativity agency. She helps people become more successful at attracting new clients, selling products and services and boosting business. To find out how she can help you take your business to the next level, visit her site http://www.michelepw.com Copyright 2006 Michele Pariza Wacek. Article Source: http://EzineArticles.com/?expert=Michele_Pariza_Wacek http://EzineArticles.com/?Multiple-Streams-of-Income—5-Reasons-Why-You-Absolutely-Need-it&id=179400 free money for student loans payday candy bar faxless online payday loan impact financial payday

By Dr. Rita Louise The gallbladder is a small pear-shaped organ that sits on the right side of our bodies just beneath the liver. Its primary function is to store and secrete bile. Bile is a yellow-brown fluid produced by the liver, which helps us digest fats. Our liver produces up to three cups of bile a day. Our gallbladder can store up to a cup of bile as it awaits a fatty meal. When we eat, our gallbladder contracts and pushes bile into the small intestines where it helps with the digestion of fats. Bile is made up of water, cholesterol, fats, bile salts, proteins and bilirubin. Under certain conditions, substances in the bile, especially the cholesterol or bile pigment (bilirubin) can harden into stones gallstones. Gallstones can be as small as a grain of sand or as large as a golf ball. We can develop one large stone or a multitude of smaller ones. Many people with gallstones have no symptoms at all. Others go through life relatively symptom free, experiencing minor symptoms such as abdominal bloating, intolerance to fatty foods, belching, intestinal gas and indigestion. For others, however they may suffer what is called a gallstone attack. Gallstone attacks often follow a fatty meal. Symptoms of an attack include steady, sever pain in the upper abdomen that can last from 30 minutes to several hours. Sufferers may also experience pain in the back between the shoulder blades or under the right shoulder. A gallstone attack is often accompanied by nausea or vomiting. If symptoms such as sweating, chills, a fever or a yellowish color to the skin or whites of the eyes occur, it is important to seek medical assistance. There are a number of factors that increase your risk of having gallstones. Those at a higher risk include women, especially women who are pregnant, on hormone therapy or taking birth control pills, people over 60 years of age, Native and Mexican Americans, overweight individuals and individuals who fast or go on crash diets and lose a lot of weight quickly. It is important to recognize that if the gallbladder is loaded with stones, there is very little room to store bile and fat digestion may become impaired. In turn, the unused bile can back up into the liver causing liver congestion. If this is the case, it is important to evaluate your livers health prior to cleansing on your gallbladder. Recommendations For Wellness The traditional treatment for gallstones is to have your gallbladder removed. There are, however, a number of things you can do to reduce your risk of producing gallstones or experiencing a gallstone attack. Reduce your consumption of saturated fats typically found in red meat and pork, while increasing the amount of fresh fruits and vegetables you consume. Start a diet and exercise program, but avoid crash dieting which can increase your risk of gallstones. Both diet and exercise can help you reduce your risk of producing gallstones. If you are taking birth control pills or are on hormone replacement therapy, speak with your doctor regarding your risk of forming stones or have them check your gallbladder for the presence of gallstones regularly. Studies indicate that coffee increase the flow of bile and may help to decrease the risk of gallstones. If you decide to add a little coffee to your health plan for this reason, make sure you only consume organically grown coffee beans. Supplement with vitamin C. Vitamin C is needed by the body to convert cholesterol to bile acids in the body. Lecithin has been shown to help break down and transport fat molecules and may help dissolve gallstones. Studies indicate that it is helpful in protecting us from gallstone formation. Safflowers can be used to thin body fluids as well as aid in the digestion of oils. Natures Sunshine Gall Bladder Formula can be used to help stimulate circulation, improve liver function & aid in the production of digestive fluids. Do a gallbladder flush. During a gallbladder flush, 1-2 cups of olive oil are consumed to simulate the gallbladder into releasing bile. This increased demand on the gallbladder to release bile works to push the stones out. If you think your liver is congested, or if you have been having minor symptoms of gallstones for a long period of time, it is important to support and cleanse your liver for a period of time before doing a gallbladder flush. Try taking herbs such as milk thistle, dandelion or a liver cleanse formula. Dr. Rita Louise, Ph.D. is a Naturopathic Physician and a 20-year veteran in the Human Potential Field, but it is her unique gift as a medical intuitive and clairvoyant that illuminates and enlivens her work. Author of the books Avoiding the Cosmic 2×4 and The Power Within: A Psychic Healing Primer, her unique insights bridge the worlds of science, spirit and culture and are changing the way the world views physical, mental and emotional health. To schedule a session and experience Dr. Louise in action, visit http://www.soulhealer.com or call 972-475-3393. Article Source: http://EzineArticles.com/?expert=Dr._Rita_Louise http://EzineArticles.com/?Getting-Rid-Of-Gallstones-Naturally&id=2808 hard money development loans loaned money and got sex monthly paycheck calculator bad credit car loan corvallis

By Brenda Franzo Spring is in the air and its time to shed those winter pounds and set your health and fitness goals. How we feel physically plays an important part in all aspects of our lives. It affects our moods and our energy levels. Exercise, nutrition and diet all play a vital part in our physical health. Fitness is about keeping your body in shape and tuned up. Nutrition is about getting the right ingredients to your body to keep it running smoothly. Both help you feel energized, which is so important in ones motivation and overall happiness, which in turn improves our overall physical health. Heres a few simple ideas to get you started and to help you set your goals. Drink plenty of water. Yes, this is simple but so important. Its easier said than done. Keep a water bottle with you wherever you go. Water is important! It helps with fat loss, helps rid the body of impurities, and carries away all the waste from the body. It is recommended for that you should drink 8 glasses of water every day. Start stretching. Stretch anytime, a couple times a day. Stretching is great first thing in the morning but remember to stretch as you go about your day, during work and in the evenings. Stretching increases your circulation and your flexibility. It also reduces stress and improves coordination. Start walking. Take a walk around the block, then go from there. Again, its a good thing to walk first thing in the morning because it gets you going but walking anytime that you can will be just as good. Walking gives you more energy, helps you sleep better, helps you get your leg muscles in shape and as with any type of exercise, it helps reduce stress. Make healthy choices when eating. Avoid junk food and those simple carbs like pies, potato chips, white bread, juice drinks with added sugar, candy, and soda. Eat protein which helps build healthy muscles. Protein can be found in chicken breast, lean ground turkey, fish and egg whites. Look for the fat content in foods that you eat and avoid trans fats and saturated fats. Take these ideas and make them a part of your daily routine. It may not be easy at first, but grasping these simple ideas will help you set your goals and begin your fitness routine. An excellent online source for fitness training and weight loss is Maximum Fitness. Gary Matthews provides materials and information on fitness as well as offers personal fitness coaching. For more information on the Maximum Fitness personal fitness coaching or for more thoughts and ideas on Weight Loss, Fitness, and Nutrition, visit http://health-fitness-nutrition.blogspot.com Article Source: http://EzineArticles.com/?expert=Brenda_Franzo http://EzineArticles.com/?Spring-is-Here—Time-for-Maximum-Fitness&id=520606 merchants cash advance bad credit short term loans with extended payback terms ar ag payday lenders decision payday cash loans

By Dennis Maier I find myself amazed and appalled that such strong antipathy exists in this day and age between non-believes and believers–and between diverse groups of believers–that murder and injustice are perpetrated daily on innocent men, women and children. Whether Christian, Jew, Pagan, Muslim, Hindu, or any other believer or non-believer, we must know that hatred and intolerance are not Gods way, no matter how we may conceive the fact of creation: whether as an Old Testament God or Wrath and Mercy or the Big Bang. The Truth must encompass it all, not just one aspect which taken as the only truth leads inexorably to suffering. The atheist is right; the faithful are right. How can that be? The believer can not imagine how the world and all that is in it could possibly come to be without a Divine Being as the cause. Atheists, with their absolute faith in science, are just as sure that the universe was not created by some old guy with a long white beard up in the clouds handing down salvation and punishment. The misunderstanding, I believe, lies in the proprietary nature of creation as seen from different perspectives. We must look for consensus if we are to live together in peace and harmony. A good attempt at an understanding that both sides might accept has been made by some believes who advance the concept of a Divine Plan or Intelligent Design. In this scenario the universe is thought to have evolved naturally in accordance with what science has discovered since biblical times. Proponents point out that from an ancient perspective it is easy to understand that a god could be imagined to rule from a mountain top or above the clouds–or a devil inside the earth. The whole world at the time ranged from the mountains to the north, the desert to the east, the jungle to the south, the sea to the west and only as high as the clouds or as deep as a well. However, as accepting of natural laws as intelligent design seems to be, science does concur. The reason is the same one my mother gives when someone says that God didnt create the universe it was created by the Big Bang: Well then who created the big bang? Science cannot accept any system where a divine being is held up as the cause of creation. Creation, to science, just happened. Fundamentalists find intelligent design just as unacceptable for obvious reasons. The real truth is we dont know how or why the universe came into being, or even if there was such an event as the big bang much less who or what was behind it. Science is the first to admit that all knowledge is fleeting with new theories replacing the old. The perspective from our vantage point thousands of years later is still far too limited, not much bigger in comparison to what is actually exists than what Abraham believed he heard from G_d back in pre-biblical Ur: that which started us on the road to Islam, Christianity and Judaism. Then did Abraham and others like him throughout history and before actually hear Gods words or where they just imagining them? Perhaps a little of both, certainly his comprehension and the words he passed down to us and all the words added since can only be a metaphor for the Truth. Surely, our awareness at this point in our evolution is still too limited still to grasp the magnitude of the Ultimate Truth. Science too needs to admit its ignorance. True, fossils were not place in the earth by the devil to fool the gullible into believing the world is much older than 6,000 years, or whatever number that misguided cleric worked out by counting the ages of people mentioned in the King James Version. But that does not mean that life on earth came into being by a fortuitous accident involving inorganic chemicals in a primordial soup. And while we almost certainly did evolve from simpler life forms that Evolution is only the mechanism, not the reason we evolve. If there were no driving force behind evolution we would still be bacteria. Nor does Darwinist survival of the fittest come anywhere close to explaining why we would even want to survive so badly to pass on our genes, why should we care as humans or amebas? The purpose of our survival instinct: the spark of life, the will to not only exist but to transcend. That remains unexplained. No, science needs to look a bit further, a bit deeper. Religion, however, can be even further off the mark. Taking the words of meneven granting divine inspirationas literal truth is almost criminal. And if that seems blasphemous, take a look around; take a look at history. Surely, there is no true and compete belief system to date. If there were, truly the Word of God, we would flock to it, all questions would be answered. We would understand completely. There would be no doubt, no debate. Nor is God testing our faith in the way many believe. He doesnt have to. We are his children, if only metaphorically, and he knows exactly what we are about even if we do not. To find the truthlimited as it is–look to the Bible and the teachings of Christ, Mohamed, Buddha, and Moses (to name but a few of our past spiritual teachers) for their underlying universal truths. First, that we are here and somehow created in the image of God–or in non-secular terms, a product of the unfolding of the Universe in accordance with physical laws. We dont know why. Anyone who says they do is lying or deluded. Second, there is no evil being battling with God for the souls of men; no devil, living in hell or some such place. Thats just a tale to frighten us into submission before the will of corrupt men now and throughout history. Thats not to say that there is not struggle between good and evilmetaphorically speaking, at least. It is the struggle between the law of the jungle and the law of justice–that which protects all of us from savagery–and the very forces fundamentalist religion tends to unleash that define our polarities. (In scientific terms it might be thought of simply as the balance between entropy and organization, that which seeks to construct and that which seeks to deconstruct.) Third, the true words of God at the core of all religions are and have always been: Do unto others as you would have them do unto you. There is no room for hatred or intolerance in the Word of God. Fail to heed these words and delve into a hell of our own making right here on earth. Hear these words and walk the path of righteousness in the light of the Supreme Creator of the Universe, whatever the specific features of your personal belief. We do not know where we are going. We do not know why. We just know how to get there. Thats all that matters. Dennis Maier DennisM@RENY.net Article Source: http://EzineArticles.com/?expert=Dennis_Maier http://EzineArticles.com/?Religion-Versus-Science:-The-Truth&id=53370 home business credit repair using software 3 worst debt consolidation moves leasing with low credit score day credit card reports balance to credit bureaus

By Dominic Ferrara Millions of students apply for various scholarships every year. But it would be nave from anybodys part to believe that all scholarship advertisements are indeed genuine. We live in a bad world, amid lots of bad people, who are prying for an opportunity to dupe their fellow beings for some fast bucks. Hence, every prospective student who dreams a scholarship must be at his own guard regarding the genuinity of the scholarship for which he/she applies. In other words, he/she must consider every possibility of a scam so as not to get scammed even by accident. This article how not to get scammed – stresses on some common symptoms of a fraudulent scholarship, and the steps the applicant should consider taking in order to avoid getting caught in the wrong side. Here we discuss certain telltale signs that are typical of a scam. But, the occurrence of these signs necessarily does not mean fraud always. However, a combination of few of these may very well point towards a possible scam, and hence one should take care not to fall prey to such traps. A scholarship can mostly be a scam if the applications involve fees. Legitimate scholarship sponsors do not solicit a fee. The point is – Be Cautious if there is a Fees Involved. In the internet, one could find umpteen number of private scholarship providers and it is a gruesome task to separate cheese and chalk. Hence it would be prudent to seek the advice from any trusted source such as the financial aid administrator at a local college or university, your high school guidance counselor or the local reference librarian. One can reliably verify the existence of a company by calling the directory assistance. If they are not listed, then their legitimacy is circumspect. One can look for listings in BigBook, Switchboard, Yahoo People Search or WhoWhere. Do not reveal your social security number, account numbers and other critical information to strangers. If the scholarship sponsor is legitimate, then they have no business of asking your personal information other than your academic credentials and extra curricular grades. If somebody approaches you, in the first place, get every bit of offers, promises and guarantees in writing. In other words, do not take any verbal promises. Asking the organization about the source from which they got your name is a useful check of their credential and identity. Remember, the College Board, for example, will give the mailing list only to universities and colleges and carefully selected non-profit tax-exempt foundations. Verify the information they provide with the source to make sure their authenticity. Take care to keep Photostat copies of all correspondence with the company and other promotional materials they might have sent you. If the organization turns out to be fraudulent, include these documents as well in the complaint to the law enforcement agency. Above all, trust your instincts. If you get any inkling that something is amiss with a particular offer, dont proceed until all concerns are addressed. Our brain is a super computer and it cannot go wrong when it comes to discerning things. Finding the scholarships you needs is a difficult task. We’ve put together a very useful video that will help you find the scholarships you need. Go to Scholarship Application for more information. Article Source: http://EzineArticles.com/?expert=Dominic_Ferrara http://EzineArticles.com/?Dont-Get-Scammed-When-Applying-For-A-Scholarship&id=180270 installment loans bad credit what percentage of my personal credit score 500 credit score loans loan with collaterial foe bad credit