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    Insurance - Beware of Universal Life Insurance II
    In my last article, I explained the basic differences between term and permanent insurance. Permanent insurance such as Whole Life, Universal Life, Equity-Indexed Universal Life and Variable Universal Life is regularly promoted as the perfect retirement vehicle or the new way to build wealth. This week I will expose the fallacies of those arguments.First of all, I believe that the need for life insurance should be met in the most economical way possible. With universal insurance, where life insurance is combined with investing, you end up paying too much for the insurance while earning too little on the investment. It’s the worst of both worlds. Term insurance allows you to purchase the life insurance you need at a lower cost, while giving you the flexibility and control over your investments.Universal policies unnecessarily lock you in. You’re committed to paying a high annual premium. For instance, the annual premium on one million dollars of universal life for a healthy, 45-year old non-smoking male is around $8,000. That’s $8,000 each year---for the rest of his life.On the other hand, the annual premium for one million dollars of 20-year term insurance is about $1400. That’s a difference of $6,600 each year. With universal insurance, most of that additional premium builds the cash value of the policy. But because of administrative and other fees, the amount added to your cash value each year is reduced. By the way, has your agent mentioned there is a way to buy no-load universal life insurance?Insurance agents tout universal policies a
    ncluding a prohibition against the sale of voice or video-grade Quality of Service (QoS) enhancements for a fee. (Bills sponsored by Representatives Markey, Sensenbrenner, et. al., and Senators Snowe, Dorgan, and Wyden have included this particular QoS prohibition.) The terms of this debate place neutralists (such as the Internet's largest content providers), who wish to enshrine one current business model for the sale of Internet access by Internet service providers to content providers in law, versus free-marketeers (including Telcos) who argue against such regulation, deeming it to be counter-productive and even unconstitutional.


    The ending of net neutrality rules has also spawned the creation of activism sites such as ''Save The Internet'' and ''Its Our Net.'' Organizations such as ''Common Cause,'' elicit support, citing media giant privatization as a cause for concern. Telecommunications companies like AT and T and Verizon, are lobbying Congress for the right to control Internet connections, research, and the service costs involved. Common Cause maintains that if successful in Congress, companies will open the door to violate consumer civil rights to access any web content desired, post content, and use any application, without restrictions or limitations imposed by Internet service providers (ISPs).


    NETCompeition.org, is an e-forum that was started to promote a rigorous debate on the merits of net neutrality legislation and regulation. NETCompetition.org is funded by a wide range of broadband telecom, cable, and wireless compan

    How To Make The Perfect Sales Pitch
    In order to make the sale, you need to have the right sales pitch that will make the customer want to buy. This means that you really have to know the product and make it exciting as you persuade customers that this is something that they need to buy. The perfect sales pitch will persuade customers to buy something even if they know deep down that this is a product they don't really need.While it is important to have a good sales talk when you have a showroom, it is not as important as making a sales pitch when you are involved in door-to-door selling. This is because customers who come into a showroom are looking to buy. With door-to-door sales, you really have to convince the customer of the merits of your product. Some of the products that are sold in this manner include vacuum cleaners, home business opportunities and insurance. In order to have the best sales talk, you should write down what you want to say and practice on your family and friends. Take all criticisms seriously and reread the talk as you ask yourself if this talk would make you want to buy.Visual aids help to make a sale almost as much as your speech. When you have products that you can show the customer and offer a demonstration, this also helps. You do have to tell the customers a bit about your background and present your credentials, so they know that you are serious about your job. If you make a living based on a commission from the sales, you should be upfront about this with your customers. This helps to build a rapport with them and will aid in making the sale.Althoug

    As telephone and digital companies continue to grow through mergers and acquisitions, network (''net'') neutrality, has become a contested area of law in the United States. Contoversial statements from Telco officials, as telephone networks appear to monopolize, has fueled the fire of independent Internet giants, such as Google, eBay, and Amazon, who fear that network owners will create a biased, two-tier Internet system, unfairly placing the telco services first, above all others. In addition, there is concern that network owners may seek to entirely censor or block content at their own discretion, thus creating an imbalance of partiality.

    Website Hosting Directory, decided to examine the ramifications of this most polarizing, complicated, free speech issue, and the recent legislative defeat of attempts to enshrine the principle of net neutrality, in the United States.

    Information on cable networks has been traditionally treated as content, that the vendor may regulate at will, under the First Amendment. As networks increasingly provide the same services, and have come under the same ownership, it has become difficult to justify and manage different sets of rules based on the underlying technology. This has lead to the question of which rules should apply. The FCC re-classified DSL as an information service in 2005, the same year that the US Supreme Court in FCC v. Brand X upheld the classification of cable Internet access as an information service.

    The recent Amendment before the Senate, was defeated by 269 votes to 152 and the Communications Opportunity, Promotion and Enhancement Act (Cope Act) was passed by 321-101 votes. Some fear the decision will mean Internet providers will start deciding on behalf of customers which websites and services they can visit and use. The rejection of the principle of net neutrality came during a debate on the Cope Act, which, among other things, aims to make it easier for telecom firms to offer video services around America by replacing 30,000 local franchise boards with a national system, overseen by the Federal Communications Commission (FCC).


    The vote is a defeat for Google, eBay and Amazon, who mounted vigorous lobbying campaigns prior to the vote in the House of Representatives. Representative Fred Upton, head of the House Telecommunications Subcommittee, indicated that competition could mean consumers will save $30 to $40 each month on Internet access fees. An Amendment to the Act attempted to add clauses that essentially would demand that Internet service firms treat all of the data passing through their cables, equally. The amendment was thought to be needed after the FCC discarded its rules that guaranteed net neutrality.


    Catherine England, a spokseperson for eBay, commented, ''eBay supports Net Neutrality legislation that will prohibit Network Operators from replacing the robust open Internet with ''Pay to Play'' private networks that will force out and discriminate against content and service providers that refuse to pay new tolls. The Internet is a global network based on the principle of openness, potentially connecting everyone with everyone. As we have seen with eBay, PayPal, and Skype, the Internet has the power to create communities on a scale never seen before. Replacing the Internet with technologically advanced but closed ''private networks'' will end the Internet as we know it and reduce the ability of Internet users to reach a global market. Small business sellers rely on that global community and could be hardest hit by new fees and tiered services that impede existing and potential customers from accessing their sites.''


    House Democratic leader Nancy Pelosi commented, that without the Amendment, ''telecommunications and cable companies will be able to create toll lanes on the information superhighway. This strikes at the heart of the free and equal nature of the Internet.'' Speaking at a conference in late May, web creator Sir Tim Berners-Lee warned that the net faced entering a ''dark period,'' if access suppliers were allowed to choose which traffic to prioritise.


    Critics of the Amendment said it would bring in unnecessary government regulation. Prior to the vote, Internet companies worried about the effect of the amendment on business and lobbied hard in favor of the Amendment, fostered by fear that their websites will become hard to reach or that they will be forced to pay to guarantee that they can get through to web users.

    In a statement released by NETCompetition.org, Meg Whitman, Chief Executive Officer of eBay, e-mailed more than one million members of the auction site asking them to back the idea of net neutrality, while Eric Schmidt, CEO of Google, called on staff at the search giant to support the idea, and film stars such as Alyssa Milano also backed the Amendment.


    The exact interpretation of "net neutrality" is a subject of contention, due to the highly politicized use to describe both contemporary and potential usage of the Internet, as well as the proposed governmental role in regulating Internet-related trade and communications. According to Columbia University Law Professor Tim Wu, ''net neutrality'' is a term that orginally identified network bias toward or against particular classes of application or providers of content or services. According to Mr. Wu's analysis, the Internet is not neutral but should strive to be. Referring to bias in Transmission Control Protocol/Internet Protocol (TCP) against real-time applications to support that point, this apolitical and technological view has been embraced by telcos and cable companies arguing against new regulations.

    The term also stands for the general principle that network providers should not discriminate between people or organizations that provide services over a network. Companies selling broadband Internet access to consumers should not make contracts with service providers (such as websites) to provide better Internet access than is available for service providers who don't have such agreements.

    In U.S. politics, network neutrality refers to a range of proposed legislation with varying goals related to restricting the billing of data transfers by telcos, commonly including a prohibition against the sale of voice or video-grade Quality of Service (QoS) enhancements for a fee. (Bills sponsored by Representatives Markey, Sensenbrenner, et. al., and Senators Snowe, Dorgan, and Wyden have included this particular QoS prohibition.) The terms of this debate place neutralists (such as the Internet's largest content providers), who wish to enshrine one current business model for the sale of Internet access by Internet service providers to content providers in law, versus free-marketeers (including Telcos) who argue against such regulation, deeming it to be counter-productive and even unconstitutional.


    The ending of net neutrality rules has also spawned the creation of activism sites such as ''Save The Internet'' and ''Its Our Net.'' Organizations such as ''Common Cause,'' elicit support, citing media giant privatization as a cause for concern. Telecommunications companies like AT and T and Verizon, are lobbying Congress for the right to control Internet connections, research, and the service costs involved. Common Cause maintains that if successful in Congress, companies will open the door to violate consumer civil rights to access any web content desired, post content, and use any application, without restrictions or limitations imposed by Internet service providers (ISPs).


    NETCompeition.org, is an e-forum that was started to promote a rigorous debate on the merits of net neutrality legislation and regulation. NETCompetition.org is funded by a wide range of broadband telecom, cable, and wireless compani

    Small Business Marketing Tip - Ask Employees to Find the Extra Inch
    Asking an employee to go the extra mile often seems like so much hype from a boss. But asking them to uncover little ways in which they can almost effortlessly help to make a customer's experience better in your shop can be much less difficult-and even more productive.Here is a very simple exercise that can pay off huge dividends if it helps differentiate you from your competition. Ask your Bloom Team staff to look outside your business for ways for you to go that extra inch to make the customer experience better.Successful small business marketing relies on leveraging your brainpower much more than your wallet-power. When you are ready, hand each of your Bloom Team members a small, recipe-card sized piece of paper they can carry with them during the next month that has something similar to this written on it:(Headline:) Outside Examples of "Going the Extra Inch" for the Customer: _______________ _______________ _______________ Then just bring up the idea occasionally at staff meetings during "Extra Inch" month. The benefit of having a piece of paper or note card the employee carries is that they will be reminded when they pull it out of their purse or wallet that they should be looking for “extra inch examples” while they are out and about doing their own shopping.The idea is to secure five or six new "extra inch for the customer" ideas via staff input. If you can implement even one or two of these in your small company's customer interactions then the staff's time in searching
    efeated by 269 votes to 152 and the Communications Opportunity, Promotion and Enhancement Act (Cope Act) was passed by 321-101 votes. Some fear the decision will mean Internet providers will start deciding on behalf of customers which websites and services they can visit and use. The rejection of the principle of net neutrality came during a debate on the Cope Act, which, among other things, aims to make it easier for telecom firms to offer video services around America by replacing 30,000 local franchise boards with a national system, overseen by the Federal Communications Commission (FCC).


    The vote is a defeat for Google, eBay and Amazon, who mounted vigorous lobbying campaigns prior to the vote in the House of Representatives. Representative Fred Upton, head of the House Telecommunications Subcommittee, indicated that competition could mean consumers will save $30 to $40 each month on Internet access fees. An Amendment to the Act attempted to add clauses that essentially would demand that Internet service firms treat all of the data passing through their cables, equally. The amendment was thought to be needed after the FCC discarded its rules that guaranteed net neutrality.


    Catherine England, a spokseperson for eBay, commented, ''eBay supports Net Neutrality legislation that will prohibit Network Operators from replacing the robust open Internet with ''Pay to Play'' private networks that will force out and discriminate against content and service providers that refuse to pay new tolls. The Internet is a global network based on the principle of openness, potentially connecting everyone with everyone. As we have seen with eBay, PayPal, and Skype, the Internet has the power to create communities on a scale never seen before. Replacing the Internet with technologically advanced but closed ''private networks'' will end the Internet as we know it and reduce the ability of Internet users to reach a global market. Small business sellers rely on that global community and could be hardest hit by new fees and tiered services that impede existing and potential customers from accessing their sites.''


    House Democratic leader Nancy Pelosi commented, that without the Amendment, ''telecommunications and cable companies will be able to create toll lanes on the information superhighway. This strikes at the heart of the free and equal nature of the Internet.'' Speaking at a conference in late May, web creator Sir Tim Berners-Lee warned that the net faced entering a ''dark period,'' if access suppliers were allowed to choose which traffic to prioritise.


    Critics of the Amendment said it would bring in unnecessary government regulation. Prior to the vote, Internet companies worried about the effect of the amendment on business and lobbied hard in favor of the Amendment, fostered by fear that their websites will become hard to reach or that they will be forced to pay to guarantee that they can get through to web users.

    In a statement released by NETCompetition.org, Meg Whitman, Chief Executive Officer of eBay, e-mailed more than one million members of the auction site asking them to back the idea of net neutrality, while Eric Schmidt, CEO of Google, called on staff at the search giant to support the idea, and film stars such as Alyssa Milano also backed the Amendment.


    The exact interpretation of "net neutrality" is a subject of contention, due to the highly politicized use to describe both contemporary and potential usage of the Internet, as well as the proposed governmental role in regulating Internet-related trade and communications. According to Columbia University Law Professor Tim Wu, ''net neutrality'' is a term that orginally identified network bias toward or against particular classes of application or providers of content or services. According to Mr. Wu's analysis, the Internet is not neutral but should strive to be. Referring to bias in Transmission Control Protocol/Internet Protocol (TCP) against real-time applications to support that point, this apolitical and technological view has been embraced by telcos and cable companies arguing against new regulations.

    The term also stands for the general principle that network providers should not discriminate between people or organizations that provide services over a network. Companies selling broadband Internet access to consumers should not make contracts with service providers (such as websites) to provide better Internet access than is available for service providers who don't have such agreements.

    In U.S. politics, network neutrality refers to a range of proposed legislation with varying goals related to restricting the billing of data transfers by telcos, commonly including a prohibition against the sale of voice or video-grade Quality of Service (QoS) enhancements for a fee. (Bills sponsored by Representatives Markey, Sensenbrenner, et. al., and Senators Snowe, Dorgan, and Wyden have included this particular QoS prohibition.) The terms of this debate place neutralists (such as the Internet's largest content providers), who wish to enshrine one current business model for the sale of Internet access by Internet service providers to content providers in law, versus free-marketeers (including Telcos) who argue against such regulation, deeming it to be counter-productive and even unconstitutional.


    The ending of net neutrality rules has also spawned the creation of activism sites such as ''Save The Internet'' and ''Its Our Net.'' Organizations such as ''Common Cause,'' elicit support, citing media giant privatization as a cause for concern. Telecommunications companies like AT and T and Verizon, are lobbying Congress for the right to control Internet connections, research, and the service costs involved. Common Cause maintains that if successful in Congress, companies will open the door to violate consumer civil rights to access any web content desired, post content, and use any application, without restrictions or limitations imposed by Internet service providers (ISPs).


    NETCompeition.org, is an e-forum that was started to promote a rigorous debate on the merits of net neutrality legislation and regulation. NETCompetition.org is funded by a wide range of broadband telecom, cable, and wireless compan

    Why Branding?
    Having a concise, clear image that you project to your clients and customers is important in today’s market. More and more people are leaving the job market and creating their own business, whether by choice or necessity, so the competition continues to expand. Therefore it is increasingly important to stand out among your competition. You want your business to be memorable!Customers remember images and feelings that are evoked more than just a name on a business card. What type of feeling do you want your business to evoke in your customers / clients? How do you want to be remembered? Do you want to be the first one your customer thinks about over your competition? Of course you do. But what do you want to be remembered for?•Your excellent customer service? •Your winning smile? •Your product? •Your prices? •Your logo?How are you different from your competition? What makes your business special? Ask yourself these questions and then look at the answers. Maybe you are already projecting a particular image. It is cohesive, or is it sloppy? Do you even have an image? Do you have a brand name? Do you have any sort of identity?What about your services? Does each one have a different look, feel and image, or does it tie into the image of your business? Can you look at your services and see the brand name, image or theme running through each description? Choosing to use the same logo on all your materials, sticking with a consistent color theme and playing off a specif
    e of openness, potentially connecting everyone with everyone. As we have seen with eBay, PayPal, and Skype, the Internet has the power to create communities on a scale never seen before. Replacing the Internet with technologically advanced but closed ''private networks'' will end the Internet as we know it and reduce the ability of Internet users to reach a global market. Small business sellers rely on that global community and could be hardest hit by new fees and tiered services that impede existing and potential customers from accessing their sites.''


    House Democratic leader Nancy Pelosi commented, that without the Amendment, ''telecommunications and cable companies will be able to create toll lanes on the information superhighway. This strikes at the heart of the free and equal nature of the Internet.'' Speaking at a conference in late May, web creator Sir Tim Berners-Lee warned that the net faced entering a ''dark period,'' if access suppliers were allowed to choose which traffic to prioritise.


    Critics of the Amendment said it would bring in unnecessary government regulation. Prior to the vote, Internet companies worried about the effect of the amendment on business and lobbied hard in favor of the Amendment, fostered by fear that their websites will become hard to reach or that they will be forced to pay to guarantee that they can get through to web users.

    In a statement released by NETCompetition.org, Meg Whitman, Chief Executive Officer of eBay, e-mailed more than one million members of the auction site asking them to back the idea of net neutrality, while Eric Schmidt, CEO of Google, called on staff at the search giant to support the idea, and film stars such as Alyssa Milano also backed the Amendment.


    The exact interpretation of "net neutrality" is a subject of contention, due to the highly politicized use to describe both contemporary and potential usage of the Internet, as well as the proposed governmental role in regulating Internet-related trade and communications. According to Columbia University Law Professor Tim Wu, ''net neutrality'' is a term that orginally identified network bias toward or against particular classes of application or providers of content or services. According to Mr. Wu's analysis, the Internet is not neutral but should strive to be. Referring to bias in Transmission Control Protocol/Internet Protocol (TCP) against real-time applications to support that point, this apolitical and technological view has been embraced by telcos and cable companies arguing against new regulations.

    The term also stands for the general principle that network providers should not discriminate between people or organizations that provide services over a network. Companies selling broadband Internet access to consumers should not make contracts with service providers (such as websites) to provide better Internet access than is available for service providers who don't have such agreements.

    In U.S. politics, network neutrality refers to a range of proposed legislation with varying goals related to restricting the billing of data transfers by telcos, commonly including a prohibition against the sale of voice or video-grade Quality of Service (QoS) enhancements for a fee. (Bills sponsored by Representatives Markey, Sensenbrenner, et. al., and Senators Snowe, Dorgan, and Wyden have included this particular QoS prohibition.) The terms of this debate place neutralists (such as the Internet's largest content providers), who wish to enshrine one current business model for the sale of Internet access by Internet service providers to content providers in law, versus free-marketeers (including Telcos) who argue against such regulation, deeming it to be counter-productive and even unconstitutional.


    The ending of net neutrality rules has also spawned the creation of activism sites such as ''Save The Internet'' and ''Its Our Net.'' Organizations such as ''Common Cause,'' elicit support, citing media giant privatization as a cause for concern. Telecommunications companies like AT and T and Verizon, are lobbying Congress for the right to control Internet connections, research, and the service costs involved. Common Cause maintains that if successful in Congress, companies will open the door to violate consumer civil rights to access any web content desired, post content, and use any application, without restrictions or limitations imposed by Internet service providers (ISPs).


    NETCompeition.org, is an e-forum that was started to promote a rigorous debate on the merits of net neutrality legislation and regulation. NETCompetition.org is funded by a wide range of broadband telecom, cable, and wireless compan

    A Car Despite Your Bad Credit- Avail Bad Credit Car Loans!
    Prospects of a loan seeker are often minimized, if one sports an adverse credit history. Any arrears, CCJs, defaults attached to the financial dealings badly reflect on the record on the loan seeker. But then, this is what bad credit is all about.But, instead of letting bad credit hold you back from getting a new car, work on improving your approval odds. Without any doubt, good credit will get you better interest rates on any car loan; there are bad credit car loans to rescue people with a less than perfect credit record. The key lies in locating a suitable lender and thereby explore all the viable financing options.Locating a potential lender who gives you a car loan at competitive rates despite bad credit can be a tough job. Some methods to avail a good deal on bad credit car loans are:• Shop around for a secured bad credit car loanBeing secured the dealer will not be as sceptical to offer you a car loan, despite your bad credit. In a secured loan, you offer some security to the lender in terms of a property or maybe your car. Hence, the lender has something to fall back on in case u default.• Seek lenders onlineThe Internet is full of lenders offering competitive deals on online applying; just search for a lender around your town or city, do a credibility check offline and then seek a loan online. Due to lesser documentation and easier application procedure, availing an online loan is definitely a cheaper be
    ea of net neutrality, while Eric Schmidt, CEO of Google, called on staff at the search giant to support the idea, and film stars such as Alyssa Milano also backed the Amendment.


    The exact interpretation of "net neutrality" is a subject of contention, due to the highly politicized use to describe both contemporary and potential usage of the Internet, as well as the proposed governmental role in regulating Internet-related trade and communications. According to Columbia University Law Professor Tim Wu, ''net neutrality'' is a term that orginally identified network bias toward or against particular classes of application or providers of content or services. According to Mr. Wu's analysis, the Internet is not neutral but should strive to be. Referring to bias in Transmission Control Protocol/Internet Protocol (TCP) against real-time applications to support that point, this apolitical and technological view has been embraced by telcos and cable companies arguing against new regulations.

    The term also stands for the general principle that network providers should not discriminate between people or organizations that provide services over a network. Companies selling broadband Internet access to consumers should not make contracts with service providers (such as websites) to provide better Internet access than is available for service providers who don't have such agreements.

    In U.S. politics, network neutrality refers to a range of proposed legislation with varying goals related to restricting the billing of data transfers by telcos, commonly including a prohibition against the sale of voice or video-grade Quality of Service (QoS) enhancements for a fee. (Bills sponsored by Representatives Markey, Sensenbrenner, et. al., and Senators Snowe, Dorgan, and Wyden have included this particular QoS prohibition.) The terms of this debate place neutralists (such as the Internet's largest content providers), who wish to enshrine one current business model for the sale of Internet access by Internet service providers to content providers in law, versus free-marketeers (including Telcos) who argue against such regulation, deeming it to be counter-productive and even unconstitutional.


    The ending of net neutrality rules has also spawned the creation of activism sites such as ''Save The Internet'' and ''Its Our Net.'' Organizations such as ''Common Cause,'' elicit support, citing media giant privatization as a cause for concern. Telecommunications companies like AT and T and Verizon, are lobbying Congress for the right to control Internet connections, research, and the service costs involved. Common Cause maintains that if successful in Congress, companies will open the door to violate consumer civil rights to access any web content desired, post content, and use any application, without restrictions or limitations imposed by Internet service providers (ISPs).


    NETCompeition.org, is an e-forum that was started to promote a rigorous debate on the merits of net neutrality legislation and regulation. NETCompetition.org is funded by a wide range of broadband telecom, cable, and wireless compan

    Online Forex Trading & Its Trend Patterns
    Forex trading is a great option for those who want a great income from home or anywhere else. But in order to be a successful forex trader you need to learn the basics of the currency markets and familiarize yourself with the world of trading. One of the first things you will notice as you start analyzing forex charts is that the currency markets often display's some very familiar patterns of price movements. Once a clear pattern is established, it becomes the most probable course of future price action until the market changes.Considering this, it’s important that you identify and understand that there exist two types of markets; these are: trending and trend-less markets. Each market type has pretty clear and specific patterns which you will alsonotice over time.Trending Markets are characterized by steady and elongated price movements with less than a 45 degree angel with occasional pauses, profit taking, or resting periods.But even in trending markets you can notice the existence of other two important patterns. These are:- Uptrends - A pattern of higher highs and higher lows.- Downtrends - A pattern of lower lows and lower highs.In the case of Trend-less markets, the main characteristic is the erratic price movements which are often steep ( greater than 45 -degree angle ) and that cannot be sustained therefore they must reverse in a short period of time. Although the movements can move many points in a short period of time, they often result in very little net price movement over time.In Trend-less markets you ca
    ncluding a prohibition against the sale of voice or video-grade Quality of Service (QoS) enhancements for a fee. (Bills sponsored by Representatives Markey, Sensenbrenner, et. al., and Senators Snowe, Dorgan, and Wyden have included this particular QoS prohibition.) The terms of this debate place neutralists (such as the Internet's largest content providers), who wish to enshrine one current business model for the sale of Internet access by Internet service providers to content providers in law, versus free-marketeers (including Telcos) who argue against such regulation, deeming it to be counter-productive and even unconstitutional.


    The ending of net neutrality rules has also spawned the creation of activism sites such as ''Save The Internet'' and ''Its Our Net.'' Organizations such as ''Common Cause,'' elicit support, citing media giant privatization as a cause for concern. Telecommunications companies like AT and T and Verizon, are lobbying Congress for the right to control Internet connections, research, and the service costs involved. Common Cause maintains that if successful in Congress, companies will open the door to violate consumer civil rights to access any web content desired, post content, and use any application, without restrictions or limitations imposed by Internet service providers (ISPs).


    NETCompeition.org, is an e-forum that was started to promote a rigorous debate on the merits of net neutrality legislation and regulation. NETCompetition.org is funded by a wide range of broadband telecom, cable, and wireless companies that believe the best way to guard a free and independent Internet is free and open competition, not more government control of the Internet.


    According to information released by the company, Scott Cleland, Chairman of NETCompetition.org, revealed how soft-sounding network neutrality language is actually an extremely regressive policy position, in a letter to Senators. Mr. Cleland explained, ''while so-called 'progressives' are championing its merits, mandating net neutrality will essentially end the Internet era of tremendous innovation, growth and progress.'' The full text of Mr. Cleland's letter may be viewed here: http://www.netcompetition.org/docs/pronetcomp/resources/Net-Neutrality-is-Regressive.pdf.


    Scott Cleland is one of nation's foremost techcom analysts and experts at the nexus of: capital markets, public policy and techcom industry change. He is widely-respected in industry, government, media and capital markets as a forward thinker, free market proponent, and leading authority on the future of communications.


    Is Net Neutrality Modern-Day ''Internet Luddism''?


    In his letter to Senators, Mr. Cleland stated, ''Neutrality-Luddites seek government protection to insulate them from technology change, competition and progress,'' comparing net neutrality advocates to the British workers who rioted and destroyed the labor-saving technology they feared would diminish employment, the 19th century Luddites. Mr. Cleland goes on to describe net neutrality as a stealth depression-era technology model, based on the outdated and discredited approach that Government can better manage technology/economic tradeoffs than markets. Mr. Cleland asks, ''Is the Internet really like every other business and technology that came before it?''


    According to Mr. Cleland, Net Neutrality will block, degrade, and impair America's technology progress, as well as the diversity of broadband choices for consumers, explaining, ''Currently, the net neutrality proposal would degrade the average speed and responsiveness of the Internet for everyone by destroying any economic incentive to invest to meet exploding demand for bandwidth. If it succeeds, network neutrality would impair America's economic growth, productivity and international competitiveness by regulating away the market's natural ability to respond efficiently to new demands and risks.''

    Intellectual Property Attorney, Philip Graves, of global law firm, Squire, Sanders and Dempsey L.L.P., had this to say concering the legalities of net neutrality, the defeat of the Amendment and passage of the Cope Act:


    ''Currently, the concept of net neutrality as a limitation on the right of broadband providers to charge content providers for enhanced quality of

    service offerings is not part of the legal environment, and the defeat of the Markey Amendment appears to have resolved that issue in the House. Absent action by the Senate, it appears likely that broadband providers will have the freedom to leverage their position as the operators of the Internet superhighway by negotiating tiered pricing structures with content providers. Whether this results in greater consumer choice and efficiency through price and usage-driven innovation, or results in diminished consumer choice due to onerous fees and restrictions imposed on content providers, remains to be seen and will be closely monitored by Congress and the FCC. One thing is certain: this issue is not going away any time soon, as two additional bills addressing net neutrality - the Communications, Consumer's Choice, and Broadband Deployment Act in the Senate, and the Internet Freedom and Nondiscrimination Act in the House - are still pending before Congress.''


    Attorney Philip Graves focuses his practice on patent, trademark and copyright infringement, unfair competition, misappropriation of trade secrets, breach of contract and business torts involving software and technology, and other technology-related disputes. Selected as one of Southern California's Super Lawyers in 2004, 2005 and 2006, Mr. Graves lectures on developments in patent, trademark and copyright law to professional and industry associations, and is a member of the California, Washington and Alaska Bar Associations.


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