Casual Articles - News and Society

Help On The Way for Florida's Insurance Crisis
Over the past few years rising homeowner’s insurance costs in Florida have been showing up in people’s mailboxes and frustrating many homeowners into unsuccessfully seeking lower premiums. Further, rising insurance costs have helped put a damper on the real estate market in Florida also. Worse yet some people are seriously thinking of selling their homes and moving back to the cold snowy north because they say they can’t afford the high premiums.The state created insurer, Cititzens Property Insurance Corporation, has been the best option for homeowners who found themselves in need of a new policy. Citizens, considered the insurer of last resort, by law charges more than private insurers but has picked up hundreds of thousands of new policies becoming the second largest and soon to be the largest insurer in the state. But due to high hurricane claims in 2005, Citizens was seriously in the red. The Legislature bailed them out but some homeowners are being forced to pick up the difference through assessments to their policies. Additionally, the Legislature has responded by setting aside roughly $250 million in grants and rebates to help property homeowners fortify their homes.Recently, even better news is on the home front. Fannie Mae and Freddie Mac, the “Government Sponsored Enterprises” created by Congress to provide funding to mortgage lenders have made changes to the insurance requirements that many say will help lower premiums. These GSE’s are now allowing much higher deductibles which will in turn lower the premiums. Historically, they did not allow a deductible to be higher than $1000. But now in many cases they are allowing deductibles as high as $5000 depending on the value of the property.Also, forecasters have downgraded their initial position of an active 2006 hurricane season for Florida and the Gulf Coast. This can only be good news for homeowners and their insurance rates. Last s

ached his abdomen Adam felt an appetite for food. He jumped hurriedly before the spirit could reach his legs in order to reach the fruits of Paradise. Allah then declared: 'Man is created of haste.' Surah 21:37. After that, the angels followed their Lord’s orders: 'The angels prostrated themselves, all of them together. Except Iblis - he refused to be among the prostrators.' Surah 15: 31-32

Build Our Own Ships and Run Our Own Ports Say Dubai Deal Critics
At least one political blogger is saying that we should build our own ships and run our own ports, as the answer to port security. Indeed that would work and put Americans to work building ships and revitalize old industries. The political blogger calls this his answer to issues with the Dubai World Deal and further states:“Wouldn't that make us not only less dependent but create good paying jobs that according to many articles I have read "the jobs that are being created are not good paying jobs", while tightening up border [and port] security at the same time?”Sound like a great plan yet what about all the over regulation in all the industries from mining the iron ore to make the ships to the regulations in the ship building industry? Speaking from experience now and after the way I have been treated in business by regulators I would not be surprised if the business world said; “Let the people starve to death, screw them, they do not care about American businesses, why should American Businesses care about them.”Indeed if you look at the citizens and their brain washing from mass media hysteria and watch their antics and listen to them, it seems as if all they do is complain, piss and moan, call us business people criminals and want more laws to restrict us from delivering what they are demanding in the first place, then they complain about price, when the price is so high, because off all the lawsuits and rules and regulations? So then you ask what is the answer?Well here is what you do; first you kill all the lawyers, then cut the number of politicians by to 1/3 of the present number. Next you teach people how civilizations run and stop attacking America's greatest assets. As far as shipbuilding the over regulations has chased half the companies away. Look at the Auto Industry; and today what happed? Another bankruptcy this time an Ohio based auto parts maker, a big one. They are killing us [b

OverviewThe story of Adam will be covered in the following chapters: Before the creation of Adam: Angels and Jinn Creation of Adam Satan (Iblis) Adam and Eve in Heaven Out of Heaven Adam on Earth & story of Abil and Cain Before the creation of Adam: Angels and Jinn.Before going into Adam’s life details, it is important to know who was created before him. Allah created angels, obedient creatures who supplicate and pray Him and obey His will. He also created the Jinn who, unlike human beings, are made of fire. Also, they lack reason and intelligence and act like children.

According to 'Abdullah Ibn 'Umar, the jinn had existed for about two thousand years before Adam and had shed blood. As a result, Allah sent on them an army of angels that drove them out to the depths of the seas. Most of the jinn committed a lot of sins and disobeyed Allah. Satan (also known as Iblis) however was the only jinn who never disobeyed his God. And, as a reward, God raised him to Heaven to live with the angels.

Creation of Adam Allah the Almighty revealed: ' “Behold, your Lord said to the angels: "I will create a vicegerent on earth." They said: "Will You place therein one who will make mischief therein and shed blood? - while we do celebrate Your praises and glorify Your holy (name)?" He (Allah) said: "I know that which you do not know." "Angels then concealed to each other that, even if Allah creates a new being, they will still be better than him by being more knowledgeable and more generous. Allah knew what angels have said and not revealed to him. Then, Allah the Exalted said: “And He taught Adam the nature of all things.” Surah 2:31After Adam had learned from his God the names of all things, along with their properties and uses, ' “then He (Allah) placed them (the things) before the angels, and said: "Tell Me the names of these if you are truthful." ' Surah 2:31. The angels admitted their incapacity and said: ' "Glory to You, we have no knowledge except what You have taught us. Verily, it is You, The All-Knower, The All-Wise. " ' Surah 2:32

Allah Almighty then turned to Adam: ' "O Adam! Tell them their natures" When he had told them, Allah said: "Did I not tell you that I know the secrets (Ghaib) of heaven and the earth, and I know what you reveal and what you conceal?" ' Surah 2: 33 Allah proved once again that he knows the secrets including hidden talks of angels.

Before going further into Adam’s life, let’s discuss his origin. Allah Almighty recounted his creation in the following verses: 'Verily, the likeness of Jesus, in Allah's Sight is the likeness of Adam. He created him from dust, then (He) said to him: "Be!"- and he was.' Surah 3: 59Allah said to the angels: ' "Truly, I am going to create man from clay. So when I have fashioned him (in due proportion) and breathed into him of MY spirit, you fall down obeisance to him." ' Surah 38: 71-72Prophet Muhammad (PBUH) declared: "Allah created Adam from a handful of dust taken from different lands, so the children of Adam have been created according to the composition of the land. Therefore, from mankind we have white, red, black and yellow ones; we have good and evil, ease and sorrow, and what comes in between them." Sahih Al-BukhariAllah shaped Adam into a human being, but he remained a figure of clay for forty years. It was narrated that the prophet Muhammad (peace be upon him) said that he was 60 meters long. The angels went past him. They were seized with fear by what they saw, and Iblis felt this fear most. After all, angels were made of a powerful substance which is light; the Jinn were made of fire, also known as a powerful and dangerous. However, Adam is made of a weak substance, which is dust. Iblis was aware of that but was afraid of him. He used to pass by the figure of Adam, going inside and out of it, buffeting it, which would make a sound like pottery. Allah told us: 'He created man (Adam) from sounding clay like the clay of pottery.' Surah 55: 14Abu Hurairah reported that Prophet Muhammad (PBUH) said: "

Allah created Adam from dust after He mixed the clay and left him for some time until it became sticky mud, after which Allah shaped him. After that Allah left him till it became like potter's clay. Iblis used to go past him saying: 'You have been created for a great purpose.' After that Allah breathed His spirit into him. The first thing into which the spirit passed was his eye and then his nose. He sneezed. Allah said: 'May your Lord have mercy upon you, O Adam! Go to those angels and see what they would say.' So Adam went and greeted them. They replied saying: 'Peace be upon you and the mercy and blessings of Allah.' Allah said: 'O Adam! This is your greeting and that of your offspring." Sahih Al-BukhariWhen Allah was about to breath into Adam from His soul, He asked the angels: "When I breathe My spirit into him prostrate before him" Allah breathed His spirit into Adam and when it reached his head Adam sneezed. The angels said: "Say all praise belongs to Allah." Adam repeated: "All praise belongs to Allah." Allah said to him: "Your Lord has granted you mercy." When the spirit reached his eyes, Adam looked at the fruits of Paradise. When it reached his abdomen Adam felt an appetite for food. He jumped hurriedly before the spirit could reach his legs in order to reach the fruits of Paradise. Allah then declared: 'Man is created of haste.' Surah 21:37. After that, the angels followed their Lord’s orders: 'The angels prostrated themselves, all of them together. Except Iblis - he refused to be among the prostrators.' Surah 15: 31-32

Back Pack Vacuums - Use the Correct Fit and Technique
*Back pack vacuums are an ideal way to make your job easier than you ever thought possible. Instead of excessive bending, as with a regular vacuum unit, this ergonomically designed machine was made to fit in order to provide maximum comfort. This is achieved through all of the extra gadgets that come attached with the back pack vacuums, which are used for distributing the weight properly.*For instance, the back pack vacuums are equipped with shoulder straps and a waist belt that is padded. When you first put on the backpack vacuum, it is imperative that you adjust the belt, so that it fits secure and snug around your hips. You will know if you have done this right, because the straps of the device should easily slip around your shoulders, and should be loose. If you are successful, then you have distributed the main force of weight from the machine off of your back and shoulders, and applied it to your hips.*Another excellent feature of the back pack vacuums is their backplate, which is a panel that provides ventilation and is the piece of the unit that rests directly on your back. It is also the support piece for the vacuum. The back plate should be adjustable, and you should take the time to lower or raise it in regards to your height, to ensure the ultimate in flexibility and the freedom to move around conveniently.*To get the most out of the ergonomic back pack vacuums, you should know how to use them so that you can provide your muscles, tendons and ligaments with the proper support and security they need. With this in mind, you should never have to bend your back for any reason, and your upper torso should be kept erect with very little twisting or sudden sharp movements while operating the machine.*Not having to bend or making excessive vigorous movements, allows you to keep your energy levels up, while still getting the job done. Of course, depending on where you are vacuuming, sometimes y

said: "I know that which you do not know." "Angels then concealed to each other that, even if Allah creates a new being, they will still be better than him by being more knowledgeable and more generous. Allah knew what angels have said and not revealed to him. Then, Allah the Exalted said: “And He taught Adam the nature of all things.” Surah 2:31After Adam had learned from his God the names of all things, along with their properties and uses, ' “then He (Allah) placed them (the things) before the angels, and said: "Tell Me the names of these if you are truthful." ' Surah 2:31. The angels admitted their incapacity and said: ' "Glory to You, we have no knowledge except what You have taught us. Verily, it is You, The All-Knower, The All-Wise. " ' Surah 2:32

Financing, a Review of all Your Options Available
It's a common saying that live within your means or don't spend what you don't have.But today's philosophy is quite different. The idea of having to slog, save, suffer and sacrifice all your desires in the hope of being able to buy things or enjoy a trip "some day", is just not palatable to the young generation of today. They don't like idea of saving up money and dying rich so that their children can enjoy their hard-earned money. Today's mantra is not only enjoy all the money you have now, but also to enjoy today and pay tomorrow.And this is where the finance companies come in. Financing is a huge industry today, especially in the USA. But this culture is fast catching on in even countries like India, whose people were, in the past,a conservative lot when it came to spending. Today one can finance practically every commodity that can be sold. From two-wheelers to expensive motor cars, from computers to homes, from education to holidays, everything can be financed. You just name it and there's a financier waiting for you right there.But with so many choices, what does a person do when he needs to finance for something? Can he just blindly sign on the dotted line? The answer is a definite "No". All the financing companies, no matter how big, are essentially a business person. And much as they may want you to believe that their ultimate aim is to benefit you, one must not be fooled. They, like any other business person, are there for their own good.So what must one do? Just keep your ears and eyes open and read the fine print. Here is a list of some of the things that a borrower must look out for before he enters into an agreement with any financier.1. Look at the reputation of the financing company. Avoid fly-by-night operators. 2. Some companies secretly wish that you default on your payments so that, they can seize whatever you have financed. These companies usually include clauses

Adam. He created him from dust, then (He) said to him: "Be!"- and he was.' Surah 3: 59Allah said to the angels: ' "Truly, I am going to create man from clay. So when I have fashioned him (in due proportion) and breathed into him of MY spirit, you fall down obeisance to him." ' Surah 38: 71-72Prophet Muhammad (PBUH) declared: "Allah created Adam from a handful of dust taken from different lands, so the children of Adam have been created according to the composition of the land. Therefore, from mankind we have white, red, black and yellow ones; we have good and evil, ease and sorrow, and what comes in between them." Sahih Al-BukhariAllah shaped Adam into a human being, but he remained a figure of clay for forty years. It was narrated that the prophet Muhammad (peace be upon him) said that he was 60 meters long. The angels went past him. They were seized with fear by what they saw, and Iblis felt this fear most. After all, angels were made of a powerful substance which is light; the Jinn were made of fire, also known as a powerful and dangerous. However, Adam is made of a weak substance, which is dust. Iblis was aware of that but was afraid of him. He used to pass by the figure of Adam, going inside and out of it, buffeting it, which would make a sound like pottery. Allah told us: 'He created man (Adam) from sounding clay like the clay of pottery.' Surah 55: 14Abu Hurairah reported that Prophet Muhammad (PBUH) said: "

Start Working at Home with Your Own Online Business
Working online at home is the latest business craze. Even if you have already pinpointed what avenue of online business you want to pursue there are still many obstacles to get around before you can actually get off the ground. The following are some basic questions that can help you get your home online business up and running:1. Do I need to be educated to run an online business? Often people are intimidated because of the internet, and feel that they need to be computer experts to run an online business. The fact is very little if any programming or computer knowledge is truly needed. If you can visit a website you can own a website. If however, you desire to learn more about computers and the internet to run your business there are various classes and training materials available both on and offline.2. What are the legal requirements to run an online business? You want to keep your business legitimate. Without the trust of your customers it is impossible to succeed in the business world. Avoid any shady situations. Find out if your state or providence requires a license or permit to establish an online business.3. How much money will I need to start an online business? By now this question has ran through your mind when thinking of starting an online business. Stay positive and consider your resources. There are many different routes you can take. Your local bank should be able to explain to you the many different financing options available depending on your financial situation. Consider credit or check and cash, but be sure to estimate the interest you will incur. Remember, if you already have a job can always use your free time to get started part-time until you get the ball rolling.4. Speaking of free time, once you have your mind made up to start an online business it is a good time to take an inventory of how you can budget your time. The great part about online businesses is you set you

reated man (Adam) from sounding clay like the clay of pottery.' Surah 55: 14Abu Hurairah reported that Prophet Muhammad (PBUH) said: "

Building Your Team: Understanding and Appreciating Communication Style Differences
You’ve probably noticed that a good chunk of the world approaches problems, tasks, people, and play differently than you do. If you lead a team, you may have wondered why some people enjoy the camaraderie of team meetings while others suffer through those same meetings hoping they’ll begin on time and end quickly. You may have discovered that the drive to action exhibited by some members of your team is balanced by the need to evaluate or analyze expressed by others on the team.Indeed our workplaces are filled with fascinating, complex people who do and say things that continually surprise us. If you manage a team of diverse people, it is up to you to learn not only how to value these differences but also how to build on these differences. As a first step, you should begin to understand your own communication style, as well as your individual strengths and weaknesses.It doesn’t have to be a complicated process to begin to identify communication style differences. You’ve probably seen some patterns in yourself and the people you work with. For example, do you:Like to interact with other OR Prefer to work in solitude Focus on completing tasks OR Focus on developing relationships Enjoy generating new ideas OR Enjoy streamlining procedures Tend to think first, then act OR Tend to take action first, then evaluate Make objective decisions OR Make subjective decisions Value feelings over logic OR Value reason over emotionIt’s interesting to notice that it doesn’t really matter how or why you developed these preferences. It’s only important to realize that you have preferences or habits that you tend to rely on make your way in the world. Of course, we all have the capacity to do whatever the situation requires of us but, let’s face it: there are some behaviors that simply feel more comfortab

Satan (Iblis) Almighty Allah recounted the story of Iblis's refusal to prostrate before Adam: 'And (remember) when your Lord said to the angels: "I am going to create a man (Adam) from sounding clay of altered black smooth mud. So, when I have fashioned him completely and breathed into him (Adam) the soul which I created for him, then fall (you) down prostrating yourselves unto him" So, the angels prostrated themselves, all of them together. Except Iblis, - he refused to be among the prostrators. (Allah) said: "O Iblis! What is your reason for not being among the prostrators?" (Iblis) said: "I am not the one to prostrate myself to a human being, whom You created from sounding clay of altered black smooth mud." (Allah) said: "Then, get out from here, for verily, you are Rajim (an outcast or a cursed one). And verily, the curse shall be upon you till the Day of Recompense (i.e. the Day of Resurrection)." ' Surah 15: 28-35Satan’s arrogance and disbelief was mentioned several times in the Quran:' "Shall I prostrate to one whom You created from clay?" (Iblis) said: "See? This one whom You have honored above me, if You give me respite (keep me alive) to the Day of Resurrection, I will surely seize and mislead his offspring (by sending them astray) all but a few!" ' Surah 17: 62'(Remember) when your Lord said to the angels: "Truly, I am going to create man from clay. So when I have fashioned him and breathed into him (his) soul created by Me, then you fall down prostrate to him." So the angels prostrated themselves, all of them: except Iblis, he was proud and was one of the disbelievers.

(Allah) said: "O Iblis! What prevents you from prostrating yourself to one whom I have created with Both My Hands. Are you too proud (to fall prostrate to Adam) or are you one of the high exalted?" (Iblis) said: "I am better than he, You created me from fire, and You created him from clay." (Allah) said: "Then get you from here, for verily, you are outcast. And verily!, My Curse is on you till the Day of Recompense." (Iblis) said: "My Lord! Give me then respite till the Day the (dead) are resurrected." Allah said. "Verily! You are of those allowed respite - till the Day of the time appointed." Iblis said: "By Your Might, then I will surely mislead them all, - except Your chosen slaves amongst them (faithful, obedient, true believers of Islamic Monotheism)." ' Surah 38: 75-85(Allah) said: ' "The truth is, and the truth I say, - that I will fill Hell with you (Iblis) and those of them (mankind) that follow you, together. " ' Surah 38: 84-85

Adam and Eve in HeavenThe angels realized that Adam was the creature who knew what they did not know and that his capacity to learn was his noblest quality. His knowledge included knowledge of the Creator which we call Faith or Islam, as well as the knowledge he would need to inhabit and master the earth. Muhammad Ibn Ishaaq and Ibn 'Abbas related that Eve was created from the shortest left rib of Adam while he was sleeping. And after a while, she was clothed with flesh.

That is why Allah the Exalted said: «O Mankind! Be dutiful to your Lord, Who created you from a single person (Adam) and from him (Adam) He created his wife (Eve), and from them both He created many men and women.» Surah 4: 1Allah also said: «It is He Who has created you from a single person (Adam), and (then) He created from him his wife (Eve), in order that he might enjoy the pleasure of living with her.» Surah 7: 189 Ibn 'Abbas and a group of the companions of the Prophet (PBUH) narrated that when Iblis was sent out of Paradise and Adam was accommodated therein, Adam was alone in Paradise and did not have a partner from whom he could get tranquility. He slept for some time and when he woke up, he saw a woman whom Allah had created from his ribs. So he asked her: "Who are you?" She replied: "A woman." He asked: "Why have you been created?" She replied: "So that you could find tranquility in me." The angels, trying to find out the extent of his knowledge, asked him: "What is her name, O Adam?" He replied: "Eve." They asked: "Why was she so named?" He replied: "Because she was created from something living."

Allah commanded Adam to dwell in Paradise: «"O Adam! Dwell you and your wife in the Paradise and eat both of you freely with pleasure and delight of things therein as wherever you will, but come not near this tree or you both will be of the Zalimeen (wrong-doers)."» Surah 2:35 Out of Heaven"And (remember) when We said to the angels "Prostrate yourselves to Adam." They prostrated (all) except Iblis, who refused. Then We said: "O Adam! Verily, this is an enemy to you and to your wife. So let him not get you both out of Paradise, so that you be distressed in misery. Verily, you have (a promise from Us) that you will never be hungry therein nor naked. And you (will) suffer not from thirst therein nor from the sun's heat."

Adam and Eve were admitted to Paradise and there they lived the dream of all human beings. Allah permitted them to approach and enjoy everything except one tree, that might have been the Tree of Pain or the Tree of Knowledge. Allah forbade them before they were given abode in Paradise: «"But come not near this tree or you both will be of the Zalimeen (wrong-doers). "» Surah 2: 35Satan whispered to them: «"Your Lord did not forbid you this tree save you should become angels or become of the immortals." And he (Satan) swore by Allah to them both (saying): "Verily, lam one of the sincere well-wishers for you both.".So he [Satan] misled them with deception.» Surah 7: 20-22. Allah also said: ' Thus did Adam disobey his Lord, so he went astray. ' Surah 20: 121Eve was the first one who ate from that tree and tempted Adam to do the same. After they ate from it, the clothes they were wearing were gone, so they started to cutting tree leaves with which to cover themselves. Adam started to run while saying “forgiveness! Forgivenes!”. So Allah asked: "Are you running away from Me?" Adam replied: "No, my Lord, but I am shy of You."Allah the Almighty addressed him: ' "Did I not forbid you that

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Resume Keywords are the magic carpet that carry your application to the shortlisted files. It is especially important when thousands of resumes are recieved by the HR and the entire process is digitised. The sorting and shortlisting from a digitised data bank is done through keywords.

How many times have you heard the same sound bites come out of your mouth to your clients, prospects, and audiences, almost boring yourself to tears in the process? Imagine generating money directly from those sound bites, from those pearls of wisdom that effortlessly trip off your tongue. Yes, it is completely possible, and here's how you do it.

Having a good idea is the first step to starting a home based business. But this is the easy part. If you want to have a successful business, there are many other things to consider.

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