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Archive for December, 2011

The Litigators

Sunday, December 18th, 2011

By John Grisham

John Grisham has been writing stories about lawyers and courts for a long time now. He writes so well because he worked as a lawyer himself in Southaven, Mississippi. Toiling for long hours during the day and writing during court recesses on his first novel. He chanced to hear the testimony of a twelve year old rape victim and was so moved that he wrote a novel about what might have happened if the girl’s father had killed her assailants. That was finished as A Time to Kill in 1987. although rejected by many publishers, Wynwood Press agreed to 5,000 copies and it finally was printed.

Mr. Grisham was elected to the state House of Representatives and served until 1990. Since then he has produced a string of novels which let us all in on the world of law in the United States.

This time out he has written a very funny book about a struggling law firm with two small time ambulance chasers who have never made a real presence in any courtroom – ever! Finley & Figg call themselves a “boutique” law firm. Which means they are very small and don’t have a lot of clients and the ones they have don’t particularly trust them to prove their cases in court. The reason they chose to locate their office where it is is that a nearby intersection is one of the hottest spots in the city for traffic accidents. They fight with the neighbouring litigators over the scraps from the potential cases which result.

One day a very drunken lawyer from one of the biggest, richest firms in the city of Chicago stumbles into their quaint little location on Preston Avenue in one of the most modest parts of town. Just before passing out, he announces that he likes the place and asks for a job. The partners are bewildered and don’t believe him.

Th book revolves around how the three men manage to salvage their lives from ignominy. Finley, partner number one wants nothing more than to retire and get away from his harridan wife. Partner number two, Figg wants to become famous and hopefully rich some day. He always has a scheme on the go which will save them all.

Their new partner was so bored with his job which earned him a huge salary that he couldn’t take it any more. He needs to find purpose in his life and a reason for living.

Click on this link http://bit.ly/vygqp1 to see one of the funniest ideas which Figg has to save the firm and which his partners definitely want him to not do. I recommend this as great reading. Is it possible for lawyers to be funny? Yes! Apparently they can be.

Light-Hearted Stories of Hope

Sunday, December 18th, 2011

© 2003 by Hollywood Stories. All rights reserved

Once when he was a little boy in England, Leslie Hope (He later renamed himself “Bob” after a race car driver he idolized) wanted to pick an apple off a tree. Symbolic of his career, he didn’t want just any apple but the highest one possible. He lost his balance, fell — and permanently changed the slope of his nose.

After years in vaudeville, his big break in Hollywood was getting the part Jack Benny had turned down in the Paramount film “The Big Broadcast Of 1938″.

The director Mitchell Leisen could not stand the star of the film, the ornery WC Fields, who would run off the movie set and come back too soused to do the required scenes, flub his lines and scream for his lawyer.

Liesen found Bob Hope much more cooperative, although he was a nervous ham in front of the camera. Desperate to be a more traditional leading man like Fred MacMurray, Hope begged Paramount to pay for a nose job but they refused. It was in this film he got to sing “Thanks For The Memories” which along with his ski slope nose became Bob Hope’s trademarks.

When Bob Hope found out that Jack Benny had hired two writers for $1,000 a week for HIS radio show, he in turn hired ten writers for $100 a week each and hated paying. At times he would gather the staff at the bottom of a stairwell and toss their paychecks down as paper airplanes. Other times Hope would deliberately interrupt his scribes intimacy with their wives by calling their houses very late at night to go over new material.

For a man who played third billing to Siamese twins and trained seals, Bob Hope has become the most recognized profile and talent in the world. And, in the entire history of show business, no individual has travelled so far — so often — to entertain so many.

Hope’s entertainment persona has been evident in every decade of the 20th century — from impersonating Charlie Chaplin in front of the firehouse in Cleveland in 1909, to celebrating an unprecedented 60 years with NBC in 1996.


For their part, the writers created the Bob Hope movie character, egomaniacal, womanizing and cowardly; and all but the last trait were true.

  1. Bob Hope’s relationship with Bing Crosby was a love-hate attraction. In one of their early road movies Paramount Studios filmed two endings in which each of the boys ended up with Dorothy Lamour, to see which star the audiences preferred. They overwhelmingly chose Bing which annoyed Hope, who got back at his costar by constantly reminding him that he wore a toupee.

    In one scene both of them had to lie on the same bed together (innocently, they were resting) and Bing refused to take his hat off. No amount of coaxing from Paramount executives could get Crosby to change his mind; he did not want to hear Bob’s toupee barbs.

    Hope later said the greatest acting performance he ever gave was smiling when Bing won his academy award for Going My Way (1944).

    Bob Hope’s frequent leading lady, Lucille Ball, was an even match for Hope in the ambition department. She lobbied the comedian to hire her little-known band leader husband Desi Arnaz for his radio show. She later regretted it when Desi slept with every showgirl who applied for a job, with rumours flying about Hope ending up with his second choices.

    Delores Hope was as long suffering as Lucy was. One time she was among a crowd waiting backstage for him after a live show. A reporter asked her,”Are you connected to Bob Hope in some way Miss?”

    “No,” she responded. “I’m just his wife.”

    In the late 30s, Hope made fun of veterans on his radio show. However, performing at army bases was a way to bring up ratings. Then came World War II with Bob Hope and a number of other stars recruited by the government for a war bond selling, victory caravan tour.

    Unlike many of the pampered celebrities who complained about the cramped quarters on their shared train, the ex-vaudevillian Hope was exhilarated by the travel. It was no problem for him to go overseas to entertain the troops.

    At first Hope found America’s homesick young fighting men to be the easiest audience he ever faced. Jokes that would die in the states would get uproarious laughter from the troops. In the beginning Hope stayed out of combat areas, but then he reasoned that those in actual battles needed him the most and would laugh harder. In time, Hope became addicted to the to the danger of flying in planes that might get shot down or performing in places that had recently been attacked.

    But he was greatly moved by the injuries he saw in hospital wards, and quietly helped set up several of the soldiers he met in their own businesses after the war ended.

    Later he could not understand the Vietnam situation, getting in trouble when he repeatedly suggested we should bomb the enemy into submission. Bob Hope’s love for the troops stayed constant, even in Nam when they booed him.

    Hope got along great with all the Presidents he met, whether he agreed with their politics or not. He once said that Roosevelt laughed so hard at his jokes he almost voted democratic.

    He loved telling the story about a marine in World War II who was disappointed that he had not killed any Japanese soldiers. At the edge of a jungle he tried to smoke them out, by shouting,” To hell with Hirohito!”

    It worked, a Japanese soldier came out and shouted,”To hell with Roosevelt!”

    The marine lowered his weapon,” Darn it, I can’t shoot a fellow Republican.”

Canadians not discussing debt with their advisors: poll

Sunday, December 18th, 2011

Many see their debt as an obstacle to their long-term goals

Monday, August 8, 2011           By Megan Harman

Canadians are taking steps to tackle their debt loads, but most aren’t seeking financial advice on this important part of their financial plan, a new CIBC poll shows.

The survey of 1,000 Canadians, conducted by Harris-Decima, shows that 72% of Canadians hold some form of debt.

Of those in debt, 61% say they’ve made good progress towards paying down their debt so far this year. Efforts include making lump sum payments towards their debt, instituting a household budget and making sacrifices in order to better manage their debt.

“Managing debt as part of their overall financial plan is top of mind for Canadians in 2011, and these latest poll results show that some progress is being made,” commented Christina Kramer, executive vice president of retail distribution and channel strategy at CIBC.

Despite this progress, however, 42% of Canadians owing money said they still see their debt as an obstacle to achieving their long-term financial goals.

And, they may not be using all available options to help them become debt-free sooner. Among Canadians with debt, only 21% have had a conversation with an advisor sometime in the last year about strategies to reduce their debt faster.

“Canadians often associate getting financial advice with topics like saving for retirement and investing, but they should also think about making debt reduction part of a broader conversation with an advisor about their overall finances,” said Kramer.

She said advisors should help clients review their overall interest costs and help determine how best to allocate their money towards their debt.

Individuals aged 35 to 44 are most likely to hold various forms of debt, with 89% of those in this age group reporting that they hold at least some debt. Canadians aged 18 to 24 and those 65 and up were least likely to hold debt, according to the poll.

World Needs More Canada latest (Nordic dep’t)

Sunday, December 11th, 2011

by Colby Cosh on Sunday, December 11, 2011 1:46am – MacLean’s Magazine

I learn from a sister publication that a handful of economists in Iceland is recommending that the volcanic statelet adopt the Canadian dollar. News from Iceland is always of special interest in Canada, where the Icelandic diaspora has given us legitimate world-historical notables like William Stephenson and, er, the other William Stephenson. The inherent vulnerability of Iceland’s own currency, the króna, has had Icelanders looking at the euro as a refuge, but that option has been yanked off the table for the time being, and may be permanently unavailable within weeks.

One of Canada’s contributions to humanity, as it happens, is the theory of optimum currency areas. The loonie-ization advocates argue that the Canadian dollar is a good choice because Iceland is dependent upon commodity exports and thus has a business cycle more or less in sync with Canada’s. Iceland is also part of the EFTA, with which Canada has a rudimentary free-trade agreement. But that agreement doesn’t cover services and credentials. Mundell’s test for optimality would require free movement of labour between the countries, a common language, and, ideally, some fiscal-transfer mechanism to smooth out the differential effects of the single exchange rate. There is a strong presumption that a currency area should actually be a contiguous area, or very nearly one.

From the Icelandic point of view, however, this raises a tricky question: what the hell is a small sovereign state to do when it’s not part of any optimum currency area? Iceland has appeared on the world stage lately as a tiny, obstreperous gang that banded together to shed financial obligations and swindle British lenders. But when you contemplate its situation, it is hard to see how else Iceland could act in a crisis; we’re talking about 318,000 people, almost all of them each other’s cousins, huddled together on a godforsaken cluster of pumice. Under pressure, of course they will unify to fleece outsiders rather than each other. From this standpoint, the hypothetical power of Icelandic state fiat is never going to be very attractive to investors.

Iceland doesn’t have the power to make the world use its notes; all it really has control over is the unit Icelanders get paid in and use at the corner shop to buy poetry books and kegs of herring. The choice is between the króna, which is a glorified poker chip, or some other unit that has a protective floor value—one established either outside Iceland by someone else’s central bank, or by “nature”, like gold. The pound sterling, sometimes suggested in the past, seems less suitable than ever for a fanatically de-financialized Icelandic economy. Perhaps notes backed by the aluminum Iceland produces in enormous quantities might be the answer? (The mind reels at the possibilities. Could this involve claims on large, physical Yap-esque aluminum megacoins? Or stamped sheets of aluminum foil?) It’s an unnatural choice in theory, but what in the name of Eyjafjallajökull is the natural one?

The Bank of Canada refuses to comment on a foreign country’s monetary affairs, but has indicated it will be happy to provide Icelanders with as many coins and notes as they wish to buy. If Iceland loonie-ized, the seigniorage would actually provide a minor ongoing windfall to the Canadian federal treasury. Unfortunately, I saw a comment on one Icelandic blog that raises a significant objection to the idea: anti-British loathing is, and will be for the foreseeable future, so strong in Iceland that the populace would be psychologically reluctant to accept notes bearing the face of the Queen. When you’re designing or adopting a currency, such “animal spirits” considerations do count.

A Budget Outline for College Students

Sunday, December 11th, 2011

By Lindsey Webster

It’s the first time away from mom and dad. You’re on your own. It’s your freshman year of college. Whether your parents are helping you pay for school and board or you have financial aid, you will still probably need to get a part-time job to pay for the other necessities of life. Because it is most certainly your first time handling your own money and purchases, it may be a good idea to sit down and create a budget for yourself.

When you are a college student, creating a budget will mean making sacrifices. It will also mean watching every dollar you spend. However, with a little planning ahead, watching your money can be easy as pie. Before you create your budget, save all of your receipts and bills for one month. At the end of that month, review them and tally up the total amount of money you spent that month. Then, look back at your consumption and try to find ways to cut back. Once you have done that, break down your spending into the following categories and find out how much you will need to survive.

 

  1. Food consumption: When deciding how much money to allocate for food each week, it is best to over-budget. After all, you don’t want to starve! However, if your food receipts from the last month say you spent an average of $100 on food every week, it probably means you are eating out for most meals, and you should start trying to make a weekly trip to the grocery store. Some great items to buy at the grocery store for students on a budget are: oatmeal, milk, eggs, select fruits and veggies that can be eaten on the go, sliced bread and deli meat, crackers and popcorn, yogurt, canned soups, select frozen meals, nuts and granolas and peanut butter. All of these items are low cost, quick to prepare, easy to transport and can last in your pantry or refrigerator for some time; all the things a student needs. Another great money saving tip is to drink mostly (if not only) water. Purchase a reusable water bottle and drink water from your tap, or if you prefer filtered water, purchase a home water filter system. Doing this will save you a ton of money, as most single people who consume flavored or carbonated beverages or bottled water spend on average an extra $15 per week on these beverage items. If you practice these tips, you should be able to knock your food bill down to only $50 or less per week.

**Note: Most universities and colleges now have Starbucks on or nearby the campus. Stay away or try to only visit once a week. If you went to Starbucks every weekday, you could easily spend $35 per week on coffee drinks; a luxury that most college students cannot afford. **

  1. Utility Bills: If you are responsible for your utility bills, look at the bills from the last month and use that amount as a benchmark for the future. For example, if your last electricity bill was $50, you should expect your future bills to cost anywhere from $40 to $70 per month. Set aside $70 every month for electricity, so you will have a cushion for payment. Do this for your water bill, as well.

 

If you have a car, look at your gas receipts from last month. Think of ways you can decrease the amount of time you drive. Set aside the appropriate amount of money for gas, remembering that gas prices are unstable at this time. When it comes to TV, you should strive to live without this luxury as a student. Most cable TV costs anywhere from $50 to $100 per month; this amount of money should be saved for more needed items. For internet, see if your apartment complex or a local café offers free Wi-Fi, or go to your school’s library.

 

  1. Insurance: If you are lucky, you should be able to stay on your parent’s health insurance plan until you are 26. However, some of us aren’t so lucky. If this is the case, check with your university or college about a student health care plan. Most schools offer this, and it comes at a fraction of the cost of other individual health care plans, usually running around $50 per month. Also, if you have a car and your parents are asking you to pay for the car insurance, know that insurance can run anywhere from $60 to a little over $100 per month, depending on your gender and accident history.

 

  1. Miscellaneous items and toiletries: Allocate about $50-$75 per month for extra necessities like shampoo, paper towels, toilet paper, soap, toothpaste, etc.

It is a good idea to save a little extra money for instances of overspending in the above areas or emergencies (nail in your tire, etc). Try to save any amount of extra money that you can from every paycheck for this purpose. Also, ban yourself from any type of credit until you have the means to pay off that credit. This is especially important if you have student loans, as you are already racking up debt with these.

All in all, you shouldn’t have to spend over $450 on food, gas, electricity, water, health insurance, car insurance and other extra items every month, and this amount is actually over-estimating your budget by about $50-$100. The highest amount you could spend would be about $550 to $600 (this is including cable, internet and high-cost car insurance). The best thing you can do is save your receipts to track your spending habits. If you notice any unnecessary purchases, stop this habit immediately and find ways to curb your spending in the next month to make up for the overspending from the month before.

Lindsey Webster has been a rehabilitation counselor for 15 years and also owns the site <ahref=http://www.mastersincounseling.org>Masters in Counseling</a>. She likes to write about different topics related to counseling and careers.

Brainrush a Thriller

Sunday, December 11th, 2011

by Richard Bard

The authour, Richard Bard, actually wrote this story from personal experience – sort of.  He was an American Air Force pilot 35 years ago when he was diagnosed with cancer and given only a few months to live. Needless to say, thatdidn’t happen but this harrowing event marked his life and stayed in his mind until he successfully used it to write an intriguing novel.

Part romance, part science fiction and very much psychological thriller, Mr. Bard has crafted his story which holds your attention all the way through. The story opens with Jake Bronson going in to the hospital for an MRI scan. While he is in the tunnel an earthquake traps him in place as the system malfunctions. When he is rescued, he finds that he has gained some extra mental powers. His reflexes are much quicker than before. He seems to be able to solve complex problems more quickly and he even begins to think that he can link minds with other people.

Through a stunt he and his friends performed at a bar, a TV station broadcasts his amazing reflexes worldwide which attracts interest from a mysterious group who are affiliated with Jihadist terrorists who want to teach America a lesson.

Jake is kidnapped and take to Venice, Italy where they hold him captive  subjecting him to  experiments to
try to learn what he is capable of and  how to duplicate his abilities in other people who believe in their cause.

While there Jake meets a lady psychologist named Francesca who has been innocently swept up in the care of the children who are unknowingly part of the terrorist plan.

You’ll have to read this one to find out what happens next but it is interesting and exciting reading. This book has already been grabbed up for a movie. I’m sure it will be fun to watch and this month there is due to be a second book from Richard Bard. It will be worth looking into when it comes out.

Save while dining out

Sunday, December 4th, 2011

‘Tis the season to eat out. Watch out for these restaurant tricks designed to make you spend more on your meal

By Gail Vaz-Oxlade | Online only, 2/12/11 Tags: dining, Food, Holidays, saving

If you know what restaurants are doing to play with your mind, you can thwart their psychological games and put the money you didn’t spend in your bank account.

Top-of–the-list trick
Did you know that you’re more likely to order the first item on a list. That’s why restaurants put their most profitable dish at the top of the list. And that’s why some menus have so many lists; more top of the list spots. Read further down the list and you may not have to spend quite so much, or you may get better value.

Box-it trick
When a restaurant wants to sell something, hey draw a line around it. That simple step will get people to buy it. Steer clear of the boxes.

No-dollar-sign trick
We have a huge avoidance response to dollar signs. When a number has a dollar sign in front of it, it has way more of a negative impact on our decision-making then when the number appears without the dollar sign. Restaurants are eliminating the dollar sign and decimals to play with your brain. The next time you’re planning to pay 18 50 for that salad, say the amount out loud so your brain can hear what an idiot you’re being.

Small-large version trick
I love rocky road ice cream. I buy two scoops, I pay $5. I buy one scoop, I pay $3.50. Hey, wait a minute. Restaurants use this trick all the time, convincing you to spend more because it’s a better “value.”Order the smaller version and you can also save money on the diet program.

Fancy-ingredient trick
When restaurants list exotic-sounding ingredients, it’s to trick you into thinking you’re getting something special you should pay more for. Don’t fall for it!

 

Thorn in My Side

Sunday, December 4th, 2011

by Karin Slaughter

(a Kindle Single)

     For those who have a Kindle from Amazon, we know that beside books, newspapers and magazines they have also got a series of books which are featured as Kindle Singles. They are very reasonably priced books of varying quality which are cheaply priced and affordable for readers. Authors tend to try out new ideas here. Or those known for a certain type of literature, want to test the waters in a completely different genre. They are often very worthwhile.

This Kindle offering is not to be confused with the detective story by Sheila Quigley despite having the same title. Karen Slaughter`s take is nothing like it, nor about British investigators. Thorn in my Side is an imaginative study about Siamese twins . What would happen if two completely separate brains shared one body? Or, parts of one body? This interesting take on the idea explores what thoughts might go through each of the “halves“ of the persons. How they would cope with being believed responsible for the actions of each other?

It assumes some very different personalities can exist within one body. What would happen if one personality was a psychopathic killer and the other was a normal law-abiding citizen? This is the premise of Thorn in My Side.

Now imagine a court case in which only one of the dual personalities were guilty of a horrific crime How could a Judge decide the punishment knowing that an innocent person would also be paying the price for a crime they did not commit?

The story begins when the twins are in there 30`s and as it unfolds we learn about their past history and what has brought them to their day in Court. A little short story with a different quirk, Karen Slaughter has written about a moral dilemma which seems to be possible. It makes you think about justice in a different way. It points out how decisions are rarely black and white.

Find a goal that scares the crap out of you

Sunday, December 4th, 2011

by Sally Hogshead on November 14, 2011

Do you have a career goal that makes you a little uncomfortable? You should.

 

 

This goal doesn’t have to be majestic, like ending world hunger. It can be specific to your profession, like helping every single customer find exactly the product they need. Or it can be personal, like saving enough to put three kids through college.

There are only 2 ground rules:

  1. Your goal has to expose you to a very real chance of failure.
  2. Your goal has to be big and important enough to proclaim a true purpose for your work.

As I’ve said before: If your goal is comfortable, it’s not big enough.

What do you stand for, really? What’s your career about? Once you figure that out, and then steer your life toward it, you can start to realize your true potential. This can be daunting to consider. (At least, it will be daunting if you’re doing it right.) But don’t play it safe.

Here, I’ll go first:

The goal that truly inspires me is teaching people how to become their most fascinating.

Why? Because when you fascinate, you communicate your best self. You are heard and remembered.

When you fascinate, you slice through distraction. You are not ignored or forgotten. You are not irrelevant. You have the chance to actually connect.

When you fascinate your customer, you sell more and earn more. When you fascinate your co-workers, they act upon your best ideas. By fascinating your employees, you’re motivating them to more fully engage.

When you fascinate your family, you build stronger trust.

Only by understanding your natural, authentic fascination strengths can others see your best self.

Then, and only then, can you start to make a real difference in this world.

As part of my goal, I’ll be launching the HowToFascinate.com site in about a month.

Okay, that’s my goal that scares the crap out of me.
Your turn. Go.

(And remember: If your goal is comfortable, it’s not big enough.)